---
title: "Beazley vs Coalition Crime Insurance"
description: "Beazley underwrites Commercial Crime up to $25 million; Coalition distributes Executive Risks crime through appointed brokers with limits up to $10 million."
canonical: "https://spot.insure/compare/beazley-vs-coalition/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs Coalition Crime Insurance

Beazley underwrites Commercial Crime up to $25 million; Coalition distributes Executive Risks crime through appointed brokers with limits up to $10 million.

## Research Scope and Use

Use this comparison to evaluate Beazley and Coalition for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites Commercial Crime for ordinary commercial companies and advertises limits up to US $25 million. Coalition designs and distributes crime inside Executive Risks, sold only through appointed brokers, with limits up to $10 million per line and Zurich American as the named admitted carrier or unaffiliated surplus paper depending on the route. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [6](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [8](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Underwriter Versus Appointed-Broker Program

Beazley underwrites Commercial Crime for commercial companies. Coalition designs and distributes crime as one of four Executive Risks coverages, sold through appointed brokers rather than direct to buyers. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Published Limit Caps

Beazley advertises Commercial Crime limits of up to US $25,000,000. Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Neither public page publishes retentions. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Eligibility Bands

Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Beazley markets Commercial Crime to ordinary commercial companies and addresses banks through Financial Fidelity Bonds instead. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

### Paper and Coverage Description

Coalition names Zurich American Insurance Company as the admitted carrier for Executive Risks and also places the suite with unaffiliated insurers on a non-admitted basis. Beazley underwrites Commercial Crime itself. [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

Coalition describes crime as theft, fraud and certain cybercrimes, subject to exclusions. Beazley includes fraudulent-instruction cover conditioned on out-of-band authentication and says underwriting and claims staff for the line work side by side. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## What to Confirm in Crime Insurance Quotes

- Compare the bound Beazley limit to Coalition’s $10 million per-line figure and Beazley’s $25 million advertised maximum. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

- Ask Coalition whether the crime policy is Zurich admitted or non-admitted unaffiliated paper. [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

- Confirm you fit Coalition’s private or not-for-profit, 1,000-employee and asset caps, or Beazley’s commercial (non-bank) appetite. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

- Ask Beazley whether fraudulent-instruction cover requires out-of-band authentication on your quote. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## Offering Details

| Criteria | Beazley Commercial Crime | Coalition Executive Risks — Crime Insurance |
| --- | --- | --- |
| Role in This Line | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page..) | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |
| Issuing Insurer | Not described in the reviewed sources. | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. [10](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) |
| Who It’s For | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page target-customer language; no industry list or size threshold is published..) | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) |
| Coverage Features | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium..) | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered..) |
| Limits and Retentions | Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds..) | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) |
| Risk Services | Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Company-stated internal process description; no independent claims-handling outcome data is provided..) | Not described in the reviewed sources. |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow..) | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [9](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not publicly disclosed; scope: Product page "Notify a Claim" link as read on 2026-09-23; response times were not found..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Beazley vs Coalition Cyber Insurance](https://spot.insure/compare/beazley-vs-coalition/cyber)
- [Beazley vs Coalition D&O Insurance](https://spot.insure/compare/beazley-vs-coalition/directors-officers)
- [Beazley vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/employment-practices)
- [Beazley vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/fiduciary)
- [Beazley vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-coalition/professional-errors-omissions)
- [Beazley vs Coalition Tech E&O Insurance](https://spot.insure/compare/beazley-vs-coalition/technology-errors-omissions)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)
- [Beazley vs Coverdash Crime Insurance](https://spot.insure/compare/beazley-vs-coverdash/crime)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Coalition

6. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
7. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
8. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
9. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
10. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

### Crime Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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