---
title: "Coalition vs Embroker: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-embroker/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-embroker"
provider-a: "coalition"
provider-b: "embroker"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Coalition and Embroker.
- 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 2026-09-29.

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

# 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 in Executive Risks up to $10 million per line for eligible private and nonprofit buyers; Embroker sells standalone crime with listed exclusions.

## Coalition vs Embroker Crime Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Get Embroker’s issuing carrier; Coalition’s disclaimer names Zurich American Insurance Company as the admitted carrier for Executive Risks. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Coalition vs Embroker Crime Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |

## About Coalition and Embroker and Crime Insurance

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Coalition vs Embroker Crime Insurance

- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker): 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.
- [Coalition Crime Insurance](https://spot.insure/insurance-providers/coalition/crime)
- [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime)

## Sources for Coalition vs Embroker Crime Insurance

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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.

### Sources About Embroker

3. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. Accessed 2026-09-23.

Updated 2026-09-29. 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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