Coalition vs Embroker: How Do They Compare for Crime Insurance?

Embroker sells crime as a standalone policy priced on employee count, revenue and financial controls, with no standard limits published; Coalition crime is sold only through appointed brokers, with limits up to $10 million that may be available.

Coalition offers crime within Executive Risks to eligible private and nonprofit organizations, with up to $10 million per line; Embroker sells standalone crime and lists exclusions for income loss and executive-coordinated crime. ^1,³

What Are the Key Differences Between Coalition and Embroker Crime Insurance?

Coalition’s Suite Versus Embroker’s Standalone Policy

Coalition includes crime in Executive Risks and says limits up to $10 million per line may be available; Embroker sells a standalone crime policy. Embroker lists exclusions for lost income, indirect loss, executive or partner collusion, third-party liabilities and some stolen data, while Coalition says exclusions apply but does not publish an equivalent list on its reviewed page. Choose Coalition if you qualify as a private or nonprofit U.S. organization and need the suite; choose Embroker if you need standalone crime and can accept its listed exclusions. ¹ ³

Coverage Descriptions

Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged as subject to exclusions and limitations. Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. ¹ ³

Limits

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Embroker does not publish standard crime policy limits and says pricing depends on factors such as employee count, locations, revenue, office security measures and financial controls. ¹ ³

Eligibility

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. Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed. ¹ ³

What Should You Confirm in Coalition and Embroker Crime Insurance Quotes?

Ask Coalition whether the crime limit is the advertised $10 million maximum and whether the placement is admitted Zurich paper or non-admitted. ¹ ²
Get Embroker’s issuing carrier; Coalition’s disclaimer names Zurich American Insurance Company as the admitted carrier for Executive Risks. ³ ²

Coalition vs Embroker Crime Insurance Compared

Coalition vs Embroker: Crime Insurance: documented features by provider

Criteria	Coalition Executive Risks — Crime Insurance	Embroker Commercial Crime Insurance
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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. ³Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.
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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ³Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.
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. ¹Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ³Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ³Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ³Company-reported. Product-page FAQ comparing fidelity bonds and 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. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ³Company-reported. Product-page description; not a statement about the issuing insurer.