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

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Coalition and Gallagher.
- 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 Gallagher](https://spot.insure/compare/coalition-vs-gallagher) — 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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 publishes a possible $10 million per-line limit; Gallagher offers small-business support and peer-based limit analysis for larger accounts.

## Coalition vs Gallagher Crime Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare Gallagher’s recommended limit from peer analysis with Coalition’s $10 million per-line figure. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Confirm Coalition’s Zurich versus surplus route and Gallagher’s unnamed market on the quote. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Match credit-card forgery and destruction of property on Gallagher’s list against Coalition’s issued Executive Risks crime form. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs Gallagher Crime Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [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 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |

## About Coalition and Gallagher and Crime Insurance

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

## Related Pages for Coalition vs Gallagher Crime Insurance

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

## Sources for Coalition vs Gallagher 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 Gallagher

3. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
4. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. 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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