Coverdash vs Gallagher Crime Insurance

Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state.

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. ^11,8Company-reported. Small-business crime product page and the group-level executive-risk practice page.

The commercial crime page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^11,8Not publicly disclosed. Checked both pages on 2026-09-23.

Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ¹¹Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. ⁴Not found in reviewed sources. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page.

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. ¹¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

The commercial crime page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

Neither page publishes specific crime coverage limits or premium ranges. ^11,8Not publicly disclosed. Checked both pages on 2026-09-23.

Not described in the reviewed sources.

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. ⁸Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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. ¹¹Company-reported. Product page inquiry form, inspected without submission.