CFC vs 
Gallagher: How Do They Compare for Crime Insurance?
Gallagher Small Business arranges fidelity and crime with outside carriers for small businesses through an advisor request form; CFC includes employee theft and funds transfer fraud cover in its US management liability package.
CFC excludes California-domiciled and U.S. public companies from its crime package; Gallagher offers crime teams for small businesses and larger accounts, with peer-based limit analysis for larger buyers. 1,2,6,7
What Are the Key Differences Between CFC and Gallagher Crime Insurance?
Packaged Crime Versus Teams by Account Size
CFC includes crime in its US Management Liability package. Gallagher places coverage through its Small Business team or its Executive and Financial Risk practice for larger accounts; the latter describes peer analysis to help set limits. Choose Gallagher’s larger-account team if you want that analysis; choose CFC if you qualify and want crime packaged with management liability. 1 6 7
How Limits Are Discussed
For larger accounts, Gallagher says it sets crime limits using peer analysis from third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. CFC’s brochure does not describe a peer-analysis or exposure-index method for sizing crime. 7 1
Neither CFC’s brochure nor Gallagher’s reviewed pages publish a dollar limit, sublimit, retention or premium range for crime. You still have to ask both for the bound number; Gallagher’s large-account process is the only one that describes how that number might be chosen. 1 6 7
Who Can Buy
Gallagher recommends fidelity and crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this crime coverage. A public company or California-domiciled buyer may be outside CFC’s package even if Gallagher’s small-business path still takes the placement. 6 1
How You Start a Quote
The Gallagher small-business crime page routes buyers to a Connect With An Advisor form asking for company details, employee count and annual revenue. CFC’s reviewed pages describe the management package rather than that advisor form, so the first step is a CFC package quote versus a Gallagher intake. 6 1
What Should You Confirm in CFC and Gallagher Crime Insurance Quotes?
CFC vs Gallagher Crime Insurance Compared
CFC vs Gallagher: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Gallagher Small Business Fidelity and 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. | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. 6Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting. |
| 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. | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. 6Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. |
| 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. | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. 6,7Company-reported. Small-business crime product page and the group-level executive-risk practice page. |
