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

Lockton places crime as a brokered program for nonprofit, private and public organizations, with a claims team inside its broking team; Coalition crime is sold only through appointed brokers, with limits up to $10 million per coverage line that may be available.

Coalition offers up to $10 million per line to eligible private and nonprofit organizations; Lockton brokers crime for private, public and nonprofit companies through a named claims team. ^1,^2,³

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

Claims Advocacy Versus Appointed-Broker Access

Lockton places crime for private, public and nonprofit organizations; its Professional & Executive Risk Claims team integrates insurance and claims counsel into the brokerage. Coalition offers crime to eligible private and nonprofit organizations, with a possible $10 million per-line limit, but requires an appointed broker and does not describe a crime-specific claims team. Choose Lockton if you are public or nonprofit or want a named claims team; choose Coalition if you fit its size caps and have an appointed broker. ³ ¹

Financial-Institution Bond Versus Private and Not-for-Profit Caps

Lockton says crime coverage is relevant to nonprofit, private and public organizations in any sector, flags small businesses that lack fraud-prevention resources, and notes financial institutions are often required to carry a financial institution bond distinct from general crime. Coalition’s FAQ limits Executive Risks crime to private and not-for-profit U.S. organizations with stated asset and employee ceilings, and it publishes a possible $10 million per-line limit. Lockton’s page does not name placing insurers. ³ ¹

Claim Types Versus a Shorter Product Sentence

Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation involving customers, vendors or employees. Coalition describes theft, fraud and certain cybercrimes, subject to exclusions, and names Zurich American as admitted Executive Risks paper. ³ ¹ ²

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

Ask Lockton whether you need a financial institution bond rather than general crime; Coalition’s Executive Risks FAQ does not address that bond. ³ ¹
Get Lockton’s placing insurer; Coalition’s disclaimer already names Zurich American for admitted Executive Risks. ³ ²
Compare premises theft and counterfeit-currency agreements on Lockton’s list with Coalition’s issued form. ³ ¹
Ask how Lockton’s claims team would advocate a crime loss versus Coalition’s appointed-broker channel. ³ ¹

Coalition vs Lockton Crime Insurance Compared

Coalition vs Lockton: Crime Insurance: documented features by provider

Criteria	Coalition Executive Risks — Crime Insurance	Lockton Crime and Fidelity Insurance Brokerage
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.	Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. ³Company-reported. Crime and Fidelity product page as read 2026-09-23.
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.	Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. ³Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy.
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.	Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. ³Company-reported. Crime and Fidelity product page as read 2026-09-23.