---
title: "CFC vs Gallagher: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-gallagher"
provider-a: "cfc"
provider-b: "gallagher"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC and Gallagher for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about CFC versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, CFC or Gallagher?
- What does CFC or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: CFC and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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; Gallagher offers a small-business team and peer-based limit analysis for larger accounts.

## CFC vs Gallagher Crime Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](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. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What Should You Confirm in CFC and Gallagher Crime Insurance Quotes?

- Ask CFC whether crime is the management or fintech package, and whether California or public-company status is a decline. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs Gallagher Crime Insurance Compared

| 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. [1](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. [6](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. [1](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. [1](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. [3](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [1](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. [6](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..) |
| 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](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..) |

## About CFC and Gallagher and Crime Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for CFC vs Gallagher Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)
- [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)

## Sources for CFC vs Gallagher Crime Insurance

### Sources About CFC

1. [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.
2. [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.
3. [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.
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. [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.

### Sources About Gallagher

6. [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.
7. [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.

Updated 2026-09-29. 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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