Coalition vs 
WTW: How Do They Compare for Crime Insurance?
Coalition says appointed brokers distribute Executive Risks crime and that up to $10 million per line may be available, subject to exclusions and limitations, but is not an applicant-specific bindable limit. WTW's crime listing is historical; its North American terms describe an intermediary and binder process for covered engagements. 5,11,12
What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 1,2,3,4
What Is WTW?
WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. 7,8,9,10,11
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 13,14,15,16,17
Key Differences in Crime Insurance
Broker access to the placement
Coalition says appointed brokers distribute its Executive Risks crime coverage. WTW's North American Corporate Risk & Broking terms say WTW normally serves as the client's insurance intermediary on engagements governed by those terms. For a buyer using a broker, the distinction is whether an appointed outside broker submits Coalition's product or WTW itself serves as intermediary under an applicable engagement. WTW's FY2024 crime listing is historical and does not establish current U.S. availability. 5 12 11
Advertised limit and binding commitment
Coalition says up to $10 million per coverage line may be available, subject to exclusions and limitations, but says that amount is not quoted or bindable for a specific applicant. WTW's terms separately state that an insurer quote is not confirmation of coverage and that, after the client orders binding, WTW seeks a formal insurer commitment, typically a binder. Both descriptions concern the step between an indication and bound crime coverage; ask each placement team for the insurer's applicant-specific commitment. 5 12
What to Confirm in Crime Insurance Quotes
Coalition and WTW Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coalition Review Score
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsWTW Review Score
Review Score
1 rated source
WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.[4][2]
Read WTW reviewsCoalition vs WTW Crime Insurance Compared
Coalition vs WTW: Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | WTW Crime Insurance Brokerage |
|---|---|---|
| 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. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. 12Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement. |
| 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. 6Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. 12,11Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy. |
| 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. 5Company-reported. Executive Risks FAQ as read on 2026-09-23. | Confirm in your quote. |
| 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. 5Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. 11Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility. |
| 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. 5Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. 12,11Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control. |
| Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. 12Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 5Company-reported. Executive Risks product page as read on 2026-09-23. | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. 12Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line. |
Related Pages for Coalition vs WTW Crime Insurance
Crime Insurance Pages for Coalition and WTW
Other Coverage Lines Compared for Coalition vs WTW
Other Crime Insurance Provider Comparisons
Sources for Coalition vs WTW Crime Insurance
Sources About Coalition
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Tech E&O Insurance Coverage. 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.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. 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.
- U.S. Disclaimers. 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 WTW
- Manufacturing. WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Digital Infrastructure Protector. WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
- Marine. WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Residential | WTW. WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old. Accessed 2026-09-29.
- WTW 2024 Form 10-K. U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29. Accessed 2026-09-29.
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked. Accessed 2026-09-28.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
