Coalition vs 
Gallagher Crime Insurance
Coalition sells Executive Risks crime with a $10 million per-line figure; Gallagher brokers fidelity and crime and uses peer analysis to set limits on larger accounts.
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 Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 6,7,8,9,10
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 12
Key Differences in Crime Insurance
Program Product Versus Two Brokerage Practices
Coalition designs crime as part of Executive Risks and sells it through appointed brokers. Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, and the group-level Executive and Financial Risk practice places the same coverage for larger accounts; Gallagher does not underwrite either policy. 4 11 8
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 Gallagher’s reviewed crime pages do not publish specific limits or premium ranges.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. 4 11 8
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. 5 11 8
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. 4 11
What to Confirm in Crime Insurance Quotes
- Ask Gallagher whether your crime placement is the small-business product or the executive-risk practice, and which carrier issues it. 11 8
- Compare Gallagher’s recommended limit from peer analysis with Coalition’s $10 million per-line figure. 8 4
- Confirm Coalition’s Zurich versus surplus route and Gallagher’s unnamed market on the quote. 5 11
- Match credit-card forgery and destruction of property on Gallagher’s list against Coalition’s issued Executive Risks crime form. 11 4
Offering Details
Coalition vs Gallagher Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Gallagher Small Business Fidelity and 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. | 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. 11,8Company-reported. Small-business crime product page and the group-level executive-risk practice page. |
| 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. | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. 11,8Not publicly disclosed. Checked both pages on 2026-09-23. |
| 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. | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. 11Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; 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. | 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. 11Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. |
| 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. | Neither page publishes specific crime coverage limits or premium ranges. 11,8Not publicly disclosed. Checked both pages on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | For larger accounts, Gallagher says its methodology for setting crime coverage 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. 8Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product. |
| 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. | 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. 11Company-reported. Product page inquiry form, inspected without submission. |
Full Comparison
More Coalition vs Gallagher 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.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Crime. Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
