Chubb vs Gallagher Crime Insurance

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. ⁴Company-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. ^11,8Company-reported. Small-business crime product page and the group-level executive-risk practice page.

Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^11,8Not publicly disclosed. Checked both pages on 2026-09-23.

On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. ⁴Company-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. ¹¹Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

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. ⁴Company-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. ¹¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. ⁴Not found in reviewed sources. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms.

Neither page publishes specific crime coverage limits or premium ranges. ^11,8Not 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. ⁸Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. ^4,5Company-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. ¹¹Company-reported. Product page inquiry form, inspected without submission.