---
title: "Coverdash vs Gallagher Crime Insurance"
description: "Coverdash offers a digital crime purchase path; Gallagher Small Business uses an advisor form and, for larger accounts, peer analysis to set crime limits."
canonical: "https://spot.insure/compare/coverdash-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Coverdash vs Gallagher Crime Insurance

Coverdash offers a digital crime purchase path; Gallagher Small Business uses an advisor form and, for larger accounts, peer analysis to set crime limits.

## Research Scope and Use

Use this comparison to evaluate Coverdash 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.

## Summary

Coverdash brokers commercial crime with a fully digital quote-to-purchase process. Gallagher Small Business arranges Fidelity and Crime through a Connect With An Advisor form, and Gallagher’s executive-risk practice describes peer analysis and an exposure index for setting crime limits on larger accounts. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [3](https://www.coverdash.com/terms "Terms And Conditions") [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](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 addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Digital Purchase Versus Advisor Form

Coverdash describes a fully digital quote-to-purchase process for commercial crime. Gallagher’s small-business crime page routes buyers to a Connect With An Advisor form that asks for company details, business description, other coverage interests, employee count and annual revenue. Both arrange coverage with outside carriers rather than underwriting. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [3](https://www.coverdash.com/terms "Terms And Conditions") [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### 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. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Gallagher whether your crime quote is small-business or executive-risk, and which carrier issues it. [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get Coverdash’s issuing carrier and compare both limits. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Ask whether Gallagher’s credit-card forgery and property-destruction perils appear on Coverdash’s placed form. [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Ask Coverdash how crime and cyber would coordinate on overlapping fraud. [5](https://www.coverdash.com/coverage "Coverage Hub")

## Offering Details

| Criteria | Coverdash Commercial Crime Insurance | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| 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. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](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 | The commercial crime page does not name the insurer that issues the policy. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](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 | Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: 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. [11](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 | 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. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions..)<br><br>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. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not found in reviewed sources; scope: 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. [11](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 | The commercial crime page does not publish specific limit, retention or deductible amounts. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [8](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 | 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. [8](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 | Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. [4](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |

## Full Comparison

- [Coverdash vs Gallagher](https://spot.insure/compare/coverdash-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Coverdash vs Gallagher Business Owner’s Policy](https://spot.insure/compare/coverdash-vs-gallagher/business-owners-policy)
- [Coverdash vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/coverdash-vs-gallagher/commercial-auto)
- [Coverdash vs Gallagher Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-gallagher/commercial-property)
- [Coverdash vs Gallagher Cyber Insurance](https://spot.insure/compare/coverdash-vs-gallagher/cyber)
- [Coverdash vs Gallagher D&O Insurance](https://spot.insure/compare/coverdash-vs-gallagher/directors-officers)
- [Coverdash vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/employment-practices)
- [Coverdash vs Gallagher Fidelity Bonds](https://spot.insure/compare/coverdash-vs-gallagher/fidelity-bonds)
- [Coverdash vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/fiduciary)
- [Coverdash vs Gallagher General Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/general-liability)
- [Coverdash vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/coverdash-vs-gallagher/kidnap-ransom)
- [Coverdash vs Gallagher Product Recall Insurance](https://spot.insure/compare/coverdash-vs-gallagher/product-recall)
- [Coverdash vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-gallagher/professional-errors-omissions)
- [Coverdash vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/coverdash-vs-gallagher/representations-warranties)
- [Coverdash vs Gallagher Surety Bonds](https://spot.insure/compare/coverdash-vs-gallagher/surety-bonds)
- [Coverdash vs Gallagher Tech E&O Insurance](https://spot.insure/compare/coverdash-vs-gallagher/technology-errors-omissions)
- [Coverdash vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/coverdash-vs-gallagher/umbrella-excess)
- [Coverdash vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-gallagher/workers-compensation)
- [Alliance Risk vs Coverdash Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Beazley vs Coverdash Crime Insurance](https://spot.insure/compare/beazley-vs-coverdash/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [CFC vs Coverdash Crime Insurance](https://spot.insure/compare/cfc-vs-coverdash/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)

## Sources

### Coverdash

1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
4. [Commercial Crime Insurance](https://www.coverdash.com/coverage/crime-coverage). Coverdash; Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For. Accessed 2026-09-23.
5. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom. Accessed 2026-09-23.

### Gallagher

6. [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.
7. [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.
8. [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.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [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.
11. [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.

### Crime Insurance Guide

12. [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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coverdash-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)