---
title: "Chubb vs Gallagher: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-gallagher"
provider-a: "chubb"
provider-b: "gallagher"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Chubb 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 Chubb versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Chubb 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 2026-09-25.

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

# 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 offers digital crime binding below its size caps; Gallagher uses peer-based limit analysis for larger accounts.

## Chubb vs Gallagher Crime Insurance Summary

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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Confirm you fit Chubb’s ForeFront size band and get crime limits. [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Get Gallagher’s issuing insurer; Chubb’s sheet names ACE American. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")
- Ask whether destruction of property is on the Gallagher form versus Chubb’s listed agreements. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance")

## Chubb vs Gallagher Crime Insurance Compared

| 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf "The ForeFront Portfolio — Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](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 Chubb and Gallagher and Crime Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/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 Chubb vs Gallagher Crime Insurance

- [Chubb vs Gallagher](https://spot.insure/compare/chubb-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.
- [Chubb Crime Insurance](https://spot.insure/insurance-providers/chubb/crime)
- [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)

## Sources for Chubb vs Gallagher Crime Insurance

### Sources About Chubb

1. [The ForeFront Portfolio — Crime Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_Crime.pdf). Chubb; Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line. Accessed 2026-09-23.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.

### Sources About Gallagher

3. [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.
4. [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 2026-09-25. 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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