CFC vs 
Coalition: How Do They Compare for Crime Insurance?
Coalition distributes crime only through appointed brokers to private and not-for-profit US organizations, with limits up to $10 million that may be available; CFC includes crime in its US Management Liability package, which declines California-domiciled business.
Coalition offers up to $10 million per line to private and nonprofit U.S. groups (up to 1,000 employees and $500 million in assets); CFC excludes California-domiciled and U.S. public companies. 1,2,6
What Are the Key Differences Between CFC and Coalition Crime Insurance?
Package Eligibility and Buying Route
CFC includes crime in US Management Liability and separately describes crime in a fintech package; its management package declines California-domiciled businesses and U.S. public companies. Coalition includes crime in Executive Risks, sold through appointed brokers to private and nonprofit organizations with up to 1,000 employees and $500 million in assets. Choose CFC if your company meets its package eligibility and wants crime alongside management liability; choose Coalition if you meet its size limits and can use an appointed broker. 1 3 6
Published Limit Versus Quote-Only Terms
Coalition says Executive Risks may offer up to $10 million per coverage line. CFC publishes no crime limit, sublimit or retention, so its figures appear only on the quote and declarations. 6 1
What Should You Confirm in CFC and Coalition Crime Insurance Quotes?
- Ask CFC whether the quote is the management package or the fintech package, and whether California domicile or public-company status is a decline. 1 3
- Ask Coalition whether the crime limit is the advertised $10 million maximum and whether the placement is admitted Zurich paper or non-admitted. 6 7
- Confirm you are a private or not-for-profit buyer if you are looking at Coalition Executive Risks. 6
- Get CFC’s issuing syndicate or carrier for the US policy. 4
CFC vs Coalition Crime Insurance Compared
CFC vs Coalition: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Coalition Executive Risks — Crime Insurance |
|---|---|---|
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. 1Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | 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. 6Company-reported. Executive Risks FAQ as read on 2026-09-23. |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 1Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. 1Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. 3,1Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products. | 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. 6Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. |
| Role in This Line | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. 1,2Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 6Company-reported. Executive Risks product page as read on 2026-09-23. |
