Coalition vs 
Coverdash Crime Insurance
Coalition distributes Executive Risks crime through brokers with limits up to $10 million; Coverdash brokers commercial crime through a digital quote-to-purchase flow.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
What Is Coverdash Insurance?
Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. 6,7,8
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 11
Key Differences in Crime Insurance
Designed Suite Versus Brokered Placement
Coalition designs and distributes crime as one of four Executive Risks coverages, sold through appointed brokers. Coverdash arranges commercial crime as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 4 9 8
Broker-Only Versus Direct Digital Purchase
Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. Coverdash describes a fully digital quote-to-purchase process for commercial crime, with the option to add other coverages alongside it. 4 9
Limits and Named Paper
Coalition says limits up to $10 million per coverage line may be available, and its disclaimer names Zurich American Insurance Company as the admitted carrier while also placing Executive Risks with unaffiliated non-admitted insurers. Coverdash’s commercial crime page does not publish specific limits and does not name the issuing insurer. 4 5 9
Appetite and Cover Descriptions
Coalition says Executive Risks, including crime, is available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Coverdash markets commercial crime to any business that handles money, payroll or valuable inventory. Coalition describes crime as responding to theft, fraud and certain cybercrimes. Coverdash lists employee theft, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and social-engineering losses, and lists commercial crime separately from cyber without stating how overlapping claims are coordinated. 4 9 10
What to Confirm in Crime Insurance Quotes
- Ask Coalition whether the placement is admitted Zurich paper or non-admitted, and whether the crime limit is the $10 million maximum. 5 4
- Get the issuing insurer and limits on the Coverdash placement. 9
- Confirm you fit Coalition’s private or not-for-profit caps. 4
- Ask Coverdash how a funds-transfer or social-engineering loss would be coordinated with a separate cyber policy. 10
Offering Details
Coalition vs Coverdash Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Coverdash Commercial Crime Insurance |
|---|---|---|
| Role in This Line | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 8,9Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The commercial crime page does not name the insurer that issues the policy. 9Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier. |
| Who It’s For | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. 9Company-reported. Product-page eligibility description; actual acceptance depends on underwriting. |
| Coverage Features | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. 4Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. 9Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions. Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. 9Not found in reviewed sources. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | The commercial crime page does not publish specific limit, retention or deductible amounts. 9Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. 9Company-reported. Product-page company information and cross-sell section. |
Full Comparison
More Coalition vs Coverdash Comparisons
Other Crime Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
- Commercial Crime Insurance. Coverdash; Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For. Accessed 2026-09-23.
- Coverage Hub. Coverdash; Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
