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

Gallagher arranges crime with outside carriers, via an advisor form for small businesses; Coalition designs and distributes Executive Risks crime, sold only through appointed brokers, with limits up to $10 million that may be available.

Coalition offers up to $10 million per line to eligible private and nonprofit buyers; Gallagher gives larger accounts peer-based limit analysis and routes small businesses to its crime team. ^1,^3,⁴

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

Crime Coverage and Account-Sized Buyer Support

Coalition describes crime as theft, fraud and certain cybercrime, subject to exclusions. Gallagher lists employee fraud, funds-transfer fraud, computer fraud and property destruction among the losses its fidelity and crime cover may address. Choose Coalition if you are an eligible private or nonprofit buyer seeking up to $10 million per line; choose Gallagher if you need its small-business team or peer analysis to set limits for a larger account. ¹ ³ ⁴

Published Caps Versus Limit-Setting Method

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime. Gallagher’s reviewed crime pages do not publish specific limits or premium ranges. 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. ¹ ³ ⁴

Named Admitted Paper Versus Unnamed Markets

Coalition names Zurich American Insurance Company as the admitted Executive Risks carrier and also places unaffiliated non-admitted paper. Neither Gallagher small-business crime nor executive-risk page names the insurer that would issue a client’s crime policy. ² ³ ⁴

Coverage Lists and Intake

Coalition describes crime as responding to theft, fraud and certain cybercrimes, subject to exclusions. Gallagher describes Fidelity and Crime as covering fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. You reach Gallagher through a Connect With An Advisor form that asks for company details, employee count and revenue; Coalition buyers go through an appointed broker. ¹ ³

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

Ask Gallagher whether your crime placement is the small-business product or the executive-risk practice, and which carrier issues it. ³ ⁴
Compare Gallagher’s recommended limit from peer analysis with Coalition’s $10 million per-line figure. ⁴ ¹
Confirm Coalition’s Zurich versus surplus route and Gallagher’s unnamed market on the quote. ² ³
Match credit-card forgery and destruction of property on Gallagher’s list against Coalition’s issued Executive Risks crime form. ³ ¹

Coalition vs Gallagher Crime Insurance Compared

Coalition vs Gallagher: Crime Insurance: documented features by provider

Criteria	Coalition Executive Risks — Crime Insurance	Gallagher Small Business Fidelity and Crime Insurance
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.	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ³Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.
How to Apply	Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	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. ³Company-reported. Product page inquiry form, inspected without submission.
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.	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. ³Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.
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.	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. ^3,⁴Company-reported. Small-business crime product page and the group-level executive-risk practice page.