Coverdash vs Gallagher: How Do They Compare for Crime Insurance?

Coverdash, a broker, offers a fully digital quote-to-purchase process; Gallagher Small Business arranges fidelity and crime with outside carriers, routes small businesses to an advisor form, and sets limits for larger accounts through peer analysis.

Coverdash offers a digital route for money-handling businesses; Gallagher gives small businesses advisor intake and larger accounts peer-based limit analysis. ^1,^2,^4,⁵

What Are the Key Differences Between Coverdash and Gallagher Crime Insurance?

If you have a large account and need help sizing a limit, Gallagher describes an analysis using peer data and an exposure index; Coverdash publishes no crime limit or limit-setting method. Small businesses start through Gallagher’s advisor form. ⁵ ¹ ⁴

Limit Method Gallagher Describes

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. Coverdash’s crime page does not describe a limit-setting methodology and does not publish figures. Gallagher’s pages also do not publish specific limits. ⁵ ¹ ⁴

Perils Each Page Names

Coverdash describes employee theft, forged checks and counterfeit currency, funds-transfer fraud and social engineering. Gallagher describes Fidelity and Crime as covering fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Neither crime page names the issuing insurer. ¹ ⁴

Who It Is For

Coverdash markets to businesses that handle money, payroll or valuable inventory. Gallagher recommends the coverage for small businesses exposed to funds-transfer, computer or employee fraud, or destruction of personal property, with a separate practice for larger executive-risk accounts. ¹ ⁴ ⁵

What Should You Confirm in Coverdash and Gallagher Crime Insurance Quotes?

Ask Gallagher whether your crime quote is small-business or executive-risk, and which carrier issues it. ⁴ ⁵
Get Coverdash’s issuing carrier and compare both limits. ¹
Ask whether Gallagher’s credit-card forgery and property-destruction perils appear on Coverdash’s placed form. ⁴ ¹
Ask Coverdash how crime and cyber would coordinate on overlapping fraud. ³

Coverdash vs Gallagher Crime Insurance Compared

Coverdash vs Gallagher: Crime Insurance: documented features by provider

Criteria	Coverdash Commercial Crime Insurance	Gallagher Small Business Fidelity and Crime Insurance
Who It’s For	Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. ¹Company-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. ⁴Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.
How to Apply	Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. ¹Company-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. ⁴Company-reported. Product page inquiry form, inspected without submission.
Coverage Features	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. ¹Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.	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. ⁴Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^2,¹Company-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. ^4,⁵Company-reported. Small-business crime product page and the group-level executive-risk practice page.