Coalition vs 
Travelers: How Do They Compare for Crime Insurance?
Travelers underwrites fidelity and crime and sells it through independent agents, with a social engineering fraud endorsement; Coalition crime is sold only through appointed brokers, with limits up to $10 million that may be available.
Travelers is the clearer fit for public companies or buyers comparing named fraud protections such as funds-transfer and social-engineering fraud; Coalition gives private and nonprofit buyers a possible $10 million per-line benchmark. 2,1,3
What Are the Key Differences Between Coalition and Travelers Crime Insurance?
Travelers lists employee dishonesty, funds-transfer fraud, computer fraud and social-engineering fraud, which gives you specific wording to check against the loss scenarios you face. Coalition describes theft, fraud and certain cybercrimes and offers up to $10 million per line for eligible buyers. Choose Travelers if you are a public company or need named social-engineering cover; choose Coalition if you are a private or nonprofit U.S. buyer within its published caps. 3 1
Who Underwrites Versus Who Distributes
Coalition designs and distributes crime as part of Executive Risks, sold through appointed brokers. Travelers underwrites fidelity and crime coverage. 1 3
Named Paper
Coalition’s disclaimer names Zurich American Insurance Company as admitted Executive Risks paper and unaffiliated surplus as another route. Travelers’ product-page video names Travelers Casualty and Surety Company of America and its property-casualty affiliates, and says the specific issuing entity can vary. 2 3
How Coverage Is Described
Travelers says the coverage addresses forgery or alteration, loss of money and securities, and reimbursement for claim expenses, and lists employee dishonesty, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud. Coalition describes theft, fraud and certain cybercrimes, subject to exclusions. 3 1
Who Can Buy
Coalition’s FAQ names private and not-for-profit U.S. organizations with size ceilings. Travelers markets fidelity and crime to nonprofit, private and public companies. 1 3
What Should You Confirm in Coalition and Travelers Crime Insurance Quotes?
- Confirm Coalition’s Zurich versus surplus route, and which Travelers Casualty and Surety affiliate is on the declarations. 2 3
- Ask Travelers whether a social-engineering fraud endorsement is on the quote. 3
- Compare the bound limit with Coalition’s possible $10 million per-line figure. Travelers’ reviewed page does not publish limits. 3 1
- If you are a public company, Travelers lists that audience; Coalition’s FAQ names private and not-for-profit buyers. 3 1
Coalition vs Travelers Crime Insurance Compared
Coalition vs Travelers: Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | Travelers Fidelity & 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. 1Company-reported. Executive Risks FAQ as read on 2026-09-23. | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. 3Company-reported. Product page "Who is fidelity and crime coverage right for?" section. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | Fidelity and crime coverage is bought through a Travelers independent agent. 3Company-reported. Product page "Find an insurance agent" call to action. |
| 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. | Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. 3Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued 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. | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. 3Company-reported. Product page "What is fidelity and crime coverage?" section. |
| 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. 2Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 3Company-reported. Product page video legal footer. |
