CFC vs Gallagher Crime Insurance

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. ^5,6Company-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. ^14,11Company-reported. Small-business crime product page and the group-level executive-risk practice page.

CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. ^4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^14,11Not publicly disclosed. Checked both pages on 2026-09-23.

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. ⁵Company-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. ¹⁴Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. ⁵Company-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. ⁵Company-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. ^7,5Company-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. ¹⁴Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. ⁵Not publicly disclosed. Brochure as read on 2026-09-23.

Neither page publishes specific crime coverage limits or premium ranges. ^14,11Not publicly disclosed. Checked both pages on 2026-09-23.

Not described in the reviewed sources.

For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. ¹¹Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

Not described in the reviewed sources.

The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. ¹⁴Company-reported. Product page inquiry form, inspected without submission.

CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. ⁸Company-reported. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing.

Not described in the reviewed sources.