---
title: "Counterpart vs Gallagher: Crime Insurance"
description: "Gallagher describes small-business crime placement with an advisor intake and a separate large-account limit-setting method; Counterpart uses wholesale distribution."
canonical: "https://spot.insure/compare/counterpart-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-gallagher"
provider-a: "counterpart"
provider-b: "gallagher"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

**Questions this page answers:**
- Counterpart vs Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Counterpart or Gallagher?
- What does Counterpart or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Counterpart or Gallagher?

**Key facts:**
- Line: Crime Insurance. Providers: Counterpart and Gallagher.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Gallagher](https://spot.insure/compare/counterpart-vs-gallagher) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Counterpart vs Gallagher D&O Insurance](https://spot.insure/compare/counterpart-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Gallagher General Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Gallagher Crime Insurance](https://spot.insure/compare/aon-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Gallagher: How Do They Compare for Crime Insurance?

Gallagher describes small-business crime placement with an advisor intake and a separate large-account limit-setting method; Counterpart uses wholesale distribution.

## How to Use the Counterpart vs Gallagher Crime Insurance Comparison

Use this comparison to evaluate Counterpart and Gallagher 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.

## Counterpart vs Gallagher Crime Insurance Summary

Gallagher routes small-business crime prospects through an advisor and describes peer-based limit analysis for larger accounts; Counterpart uses wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [5](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [13](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [14](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [15](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Counterpart and Gallagher Crime Insurance?

### Small-Business Intake and Wholesale Access

Gallagher Small Business asks for company details, operations, employee count, and revenue through a Connect With an Advisor form for fidelity and crime coverage. Counterpart says its program is reached through a wholesale broker. Both involve an intermediary, but Gallagher’s described small-business intake gathers business information directly, while Counterpart’s product access depends on wholesale submission. Ask who will obtain the quote and who will explain insurer options. [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### Crime Scenarios and Limit Advice

Gallagher lists employee fraud, funds-transfer fraud, computer fraud, forgery, theft, and property destruction. Counterpart names employee theft, forgery, computer or system fraud, funds transfers, and social engineering. Gallagher says its larger-account practice uses peer analysis and an exposure index to help set limits; Counterpart’s reviewed crime claim lists examples but does not describe a limit-setting method. Larger organizations should request the analysis and proposed limit rationale. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Counterpart and Gallagher Crime Insurance Quotes?

- For Gallagher, will your placement use the small-business or executive-risk team, and how is the recommended limit calculated? [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- For Counterpart, who is the wholesale broker and what limit and retention can the carrier offer? [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## Counterpart vs Gallagher Crime Insurance Compared

| Criteria | Counterpart Commercial Crime | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: Company-published distribution description; it does not identify the insurer for this crime placement..) | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |
| Issuing Insurer | Confirm in your quote. | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | Counterpart presents its insurance products and risk-management services for small businesses. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") (Evidence: Company-reported; scope: The general audience statement is not a crime-specific underwriting rule..) | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting..) |
| Coverage Features | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions..)<br><br>Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. [3](https://yourcounterpart.com/products/crime "Commercial Crime Insurance") (Evidence: Company-reported; scope: The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted..) | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) |
| Limits and Retentions | Confirm in your quote. | Neither page publishes specific crime coverage limits or premium ranges. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | Confirm in your quote. | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) |
| How to Apply | Confirm in your quote. | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |

## Related Pages for Counterpart vs Gallagher Crime Insurance

- [Counterpart vs Gallagher](https://spot.insure/compare/counterpart-vs-gallagher): 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.
- [Counterpart vs Gallagher D&O Insurance](https://spot.insure/compare/counterpart-vs-gallagher/directors-officers)
- [Counterpart vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/employment-practices)
- [Counterpart vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/fiduciary)
- [Counterpart vs Gallagher General Liability Insurance](https://spot.insure/compare/counterpart-vs-gallagher/general-liability)
- [Counterpart vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-gallagher/professional-errors-omissions)
- [AIG vs Counterpart Crime Insurance](https://spot.insure/compare/aig-vs-counterpart/crime)
- [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Aon vs Counterpart Crime Insurance](https://spot.insure/compare/aon-vs-counterpart/crime)
- [Aon vs Gallagher Crime Insurance](https://spot.insure/compare/aon-vs-gallagher/crime)

## Sources for Counterpart vs Gallagher Crime Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Commercial Crime Insurance](https://yourcounterpart.com/products/crime). Counterpart, Inc.; Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources About Gallagher

5. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
10. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Sources for the Crime Insurance Guide

11. [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.
12. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
13. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
14. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
15. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-10-01. 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.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-gallagher/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)