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

Gallagher arranges crime cover with outside carriers, sending small businesses to an advisor form; Embroker sells a standalone crime policy and explains how it differs from a fidelity bond, which Gallagher does not describe.

Embroker fits smaller businesses that want standalone crime or a BOP/D&O add-on and can accept its listed exclusions; Gallagher serves small businesses and can use peer analysis to size limits for larger accounts. ^1,^2,³

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

For a large account, Gallagher describes a peer-based method for setting limits; Embroker lists its exclusions but does not publish a standard crime limit. Smaller businesses can ask Embroker about adding crime to an existing BOP or D&O policy. ³ ¹

Standalone Form Versus Two Gallagher Practices

Embroker presents commercial crime as a product you can buy standalone or, for smaller businesses, as an endorsement to a BOP or D&O policy. Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, while the group Executive and Financial Risk practice places the same coverage for larger accounts; Gallagher does not underwrite. ¹ ² ³

Published Exclusions Versus Limit Methodology

Embroker lists exclusions for income loss, indirect losses, executive or partner collusion with employees, third-party liabilities from crime, and cybercrime involving stolen patents, trade secrets or customer lists. Gallagher’s small-business page describes coverage for fraudulent or dishonest acts including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property, without that exclusion list. For larger accounts Gallagher says it sets crime limits using peer analysis and an exposure index; Embroker says pricing depends on employee count, locations, revenue, office security and financial controls, and that fidelity bonds typically cost 0.5% to 2% of bond value, without publishing standard crime limits. ¹ ² ³

How You Start a Quote

Embroker’s reviewed crime page sends buyers to a general Get a Quote link. Gallagher’s small-business crime page uses a Connect With An Advisor form collecting company details, business description, other coverage interests, employee count and annual revenue. Neither Gallagher page names an issuer. ¹ ²

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

Ask Embroker if the quote is standalone, an endorsement, or a fidelity bond. ¹
Ask Gallagher which practice is quoting and whether peer-analysis limits apply. ² ³
Match Embroker’s exclusion list to Gallagher’s issued form. ¹ ²
Get the issuing carrier name from Gallagher’s quote. ²

Embroker vs Gallagher Crime Insurance Compared

Embroker vs Gallagher: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	Gallagher Small Business Fidelity and Crime Insurance
Who It’s For	Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ²Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.
Coverage Features	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.	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. ²Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.
Role in This Line	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ^2,³Company-reported. Small-business crime product page and the group-level executive-risk practice page.

Criteria

Embroker Commercial Crime Insurance

Gallagher Small Business Fidelity and Crime Insurance

Who It’s For

Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. ¹Company-reported. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ²Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.

Coverage Features

Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section.

Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

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. ²Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Role in This Line

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

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. ^2,³Company-reported. Small-business crime product page and the group-level executive-risk practice page.