Chubb vs Gallagher: How Do They Compare for Crime Insurance?

Chubb underwrites crime in its ForeFront Portfolio, which is available to quote, bind and issue digitally on Chubb Marketplace; Gallagher Small Business arranges fidelity and crime with outside carriers through an advisor request form.

Chubb ForeFront digitally binds crime for firms below 250 employees and $50 million in revenue; Gallagher’s larger-account team uses peer analysis to help set limits. ^1,^3,⁴

What Are the Key Differences Between Chubb and Gallagher Crime Insurance?

Listed Crime Events and Buyer Routes

Chubb’s crime sheet describes employee theft, social engineering, client theft and unreimbursed funds transfers. Gallagher recommends fidelity and crime for small businesses facing employee and transfer fraud, while its large-account practice uses peer data to discuss limits. Choose Chubb if your organization has fewer than 250 employees, under $50 million in revenue and wants digital binding; choose Gallagher if you need its small-business practice or peer analysis for a larger account. ¹ ² ³ ⁴

How Limits Are Discussed

For larger accounts, Gallagher says its methodology for setting crime 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. Chubb’s sheet illustrates claim scenarios from over $100,000 to over $1 million but does not publish specific policy limits; Gallagher’s reviewed pages also do not publish specific limits. ⁴ ¹ ³

Appetite and Cover Lists

Chubb Marketplace’s ForeFront appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property, and describes cover including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft, and funds-transfer fraud. ² ¹ ³

Marketplace Versus Advisor Form

ForeFront, including Crime, is available on Chubb Marketplace. Gallagher’s small-business crime page routes buyers to a Connect With An Advisor form. Chubb names ACE American and affiliates; neither Gallagher page names the insurer that would issue a given client’s crime policy. ² ¹ ³ ⁴

What Should You Confirm in Chubb and Gallagher Crime Insurance Quotes?

Ask Gallagher whether you are on the small-business path or the executive-risk practice that uses peer analysis. ³ ⁴
Confirm you fit Chubb’s ForeFront size band and get crime limits. ² ¹
Get Gallagher’s issuing insurer; Chubb’s sheet names ACE American. ³ ¹
Ask whether destruction of property is on the Gallagher form versus Chubb’s listed agreements. ³ ¹

Chubb vs Gallagher Crime Insurance Compared

Chubb vs Gallagher: Crime Insurance: documented features by provider

Criteria	Chubb ForeFront Portfolio Crime Insurance	Gallagher Small Business Fidelity and Crime Insurance
Who It’s For	On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. ¹Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ³Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.
How to Apply	The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. ^1,²Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy.	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. ³Company-reported. Product page inquiry form, inspected without submission.
Coverage Features	Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. ¹Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.	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. ³Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ¹Company-reported. ForeFront Portfolio Crime Insurance product sheet.	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. ^3,⁴Company-reported. Small-business crime product page and the group-level executive-risk practice page.