---
title: "CFC vs Gallagher Crime Insurance"
description: "CFC includes crime in a US management-liability package; Gallagher arranges fidelity and crime with outside carriers and uses peer analysis for larger accounts."
canonical: "https://spot.insure/compare/cfc-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-gallagher/crime)

# CFC vs Gallagher Crime Insurance

CFC includes crime in a US management-liability package; Gallagher arranges fidelity and crime with outside carriers and uses peer analysis for larger accounts.

## Research Scope and Use

Use this comparison to evaluate CFC and Gallagher 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

CFC includes crime inside its US Management Liability package and lists California-domiciled and US public companies among declined risks. Gallagher Small Business arranges fidelity and crime with outside carriers, and its group-level practice sets larger-account crime limits using peer analysis and an exposure index. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [9](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [10](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [12](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [13](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [15](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Who Underwrites Versus Who Places

CFC includes crime inside its US Management Liability package, so the quote is CFC’s package wording. Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients, and its group-level Executive and Financial Risk practice places the same coverage for larger accounts. Gallagher does not underwrite either policy, so the insurer on a Gallagher quote is whoever it places with. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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. [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What to Confirm in Crime Insurance Quotes

- Ask Gallagher whether you are on the small-business fidelity-and-crime path or the executive-risk practice that uses peer analysis for limits. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask CFC whether crime is the management or fintech package, and whether California or public-company status is a decline. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [7](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")
- Get the issuing insurer from both; neither set of reviewed pages names it for a given policy. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")
- Ask both for crime limits and retentions; neither publishes standard figures. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Offering Details

| Criteria | CFC Crime | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| 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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |
| Issuing Insurer | 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| 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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>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](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Brochure as read on 2026-09-23..) | Neither page publishes specific crime coverage limits or premium ranges. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | 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. [11](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) |
| How to Apply | 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. [14](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |
| Claims Support | 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. [8](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher): 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.
- [CFC vs Gallagher Commercial Property Insurance](https://spot.insure/compare/cfc-vs-gallagher/commercial-property)
- [CFC vs Gallagher Cyber Insurance](https://spot.insure/compare/cfc-vs-gallagher/cyber)
- [CFC vs Gallagher D&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/directors-officers)
- [CFC vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/employment-practices)
- [CFC vs Gallagher General Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/general-liability)
- [CFC vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-gallagher/kidnap-ransom)
- [CFC vs Gallagher Product Recall Insurance](https://spot.insure/compare/cfc-vs-gallagher/product-recall)
- [CFC vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-gallagher/professional-errors-omissions)
- [CFC vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-gallagher/representations-warranties)
- [CFC vs Gallagher Tech E&O Insurance](https://spot.insure/compare/cfc-vs-gallagher/technology-errors-omissions)
- [CFC vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-gallagher/umbrella-excess)
- [Alliance Risk vs CFC Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [CFC vs Chubb Crime Insurance](https://spot.insure/compare/cfc-vs-chubb/crime)
- [CFC vs Coalition Crime Insurance](https://spot.insure/compare/cfc-vs-coalition/crime)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
6. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
7. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
8. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Gallagher

9. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
10. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
11. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
12. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
13. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
14. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Crime Insurance Guide

15. [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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