---
title: "Coalition vs The Hartford Crime Insurance"
description: "Coalition distributes Executive Risks crime on Zurich paper; The Hartford lists crime inside Private Choice Premier and on a financial-institutions track."
canonical: "https://spot.insure/compare/coalition-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Coalition vs The Hartford Crime Insurance

Coalition distributes Executive Risks crime on Zurich paper; The Hartford lists crime inside Private Choice Premier and on a financial-institutions track.

## Research Scope and Use

Use this comparison to evaluate Coalition and The Hartford for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition designs crime as one Executive Risks coverage with Zurich American as named admitted paper and limits up to $10 million per line. The Hartford presents crime as one of five options in Private Choice Premier and separately as bond and commercial crime (fidelity) on its financial-institutions product track. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### How Each Offering Is Packaged

Coalition designs crime inside Executive Risks and sells it through appointed brokers. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) on the financial-institutions product track. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Who Can Buy

Coalition’s FAQ names private and not-for-profit U.S. organizations with employee, asset and plan-asset ceilings. The Hartford says crime in this lineup is available to nonprofit organizations, publicly traded companies and privately-held companies. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Coverage Description and Published Limits

Coalition describes losses from theft, fraud and certain cybercrimes, subject to exclusions, and publishes a possible $10 million per-line limit. The Hartford says crime helps cover business-related crimes like employee theft, forgery or robbery, using an employee stealing from a cash register as an example. The Hartford’s reviewed page does not publish crime limits. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in Crime Insurance Quotes

- Ask The Hartford whether you are quoting Private Choice Premier crime or the financial-institutions bond and commercial-crime track. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Compare The Hartford’s bound limit with Coalition’s $10 million per-line figure. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Confirm Coalition’s Zurich versus surplus route. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- If you are a public company, The Hartford lists that buyer type; Coalition’s FAQ names private and not-for-profit buyers. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| Criteria | Coalition Executive Risks — Crime Insurance | The Hartford 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability 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. [4](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..) | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Not described in the reviewed sources. |

## Full Comparison

- [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Coalition vs The Hartford Cyber Insurance](https://spot.insure/compare/coalition-vs-the-hartford/cyber)
- [Coalition vs The Hartford D&O Insurance](https://spot.insure/compare/coalition-vs-the-hartford/directors-officers)
- [Coalition vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-the-hartford/employment-practices)
- [Coalition vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-the-hartford/fiduciary)
- [Coalition vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-the-hartford/professional-errors-omissions)
- [Coalition vs The Hartford Tech E&O Insurance](https://spot.insure/compare/coalition-vs-the-hartford/technology-errors-omissions)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Alliance Risk vs The Hartford Crime Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/crime)
- [Beazley vs Coalition Crime Insurance](https://spot.insure/compare/beazley-vs-coalition/crime)
- [Beazley vs The Hartford Crime Insurance](https://spot.insure/compare/beazley-vs-the-hartford/crime)
- [CFC vs Coalition Crime Insurance](https://spot.insure/compare/cfc-vs-coalition/crime)
- [CFC vs The Hartford Crime Insurance](https://spot.insure/compare/cfc-vs-the-hartford/crime)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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.
4. [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.
5. [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.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
9. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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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