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

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

## Agent Guide

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

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

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

# 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 groups; Lockton places crime with a dedicated claims team.

## Coalition vs Lockton Crime Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## 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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Get Lockton’s placing insurer; Coalition’s disclaimer already names Zurich American for admitted Executive Risks. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Compare premises theft and counterfeit-currency agreements on Lockton’s list with Coalition’s issued form. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Ask how Lockton’s claims team would advocate a crime loss versus Coalition’s appointed-broker channel. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs Lockton Crime Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About Coalition and Lockton and Crime Insurance

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

## Related Pages for Coalition vs Lockton Crime Insurance

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

## Sources for Coalition vs Lockton 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 Lockton

3. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-lockton/crime.md)
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- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)