---
title: "Embroker vs Gallagher Crime Insurance"
description: "Embroker lists crime perils and exclusions on a product page; Gallagher brokers Fidelity and Crime and describes a peer-analysis method for larger limits."
canonical: "https://spot.insure/compare/embroker-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Embroker vs Gallagher Crime Insurance

Embroker lists crime perils and exclusions on a product page; Gallagher brokers Fidelity and Crime and describes a peer-analysis method for larger limits.

## Research Scope and Use

Use this comparison to evaluate Embroker 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

Embroker sells commercial crime as a standalone policy or BOP/D&O endorsement and names exclusions including income loss and executive-employee collusion. Gallagher Small Business arranges Fidelity and Crime with outside carriers; for larger accounts it describes setting limits with peer analysis and an exposure index. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [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 Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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. [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 addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [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")

### 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [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")

### 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## What to Confirm in Crime Insurance Quotes

- Ask Embroker if the quote is standalone, an endorsement, or a fidelity bond. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Ask Gallagher which practice is quoting and whether peer-analysis limits apply. [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")
- Match Embroker’s exclusion list to Gallagher’s issued form. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Get the issuing carrier name from Gallagher’s quote. [10](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Offering Details

| Criteria | Embroker Commercial Crime Insurance | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [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 | Not described in the reviewed sources. | 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 | 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [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 | 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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [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 | Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section..) | 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 | 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. [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 | The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Not publicly disclosed; scope: Product page as read on 2026-09-23..) | 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..) |

## Full Comparison

- [Embroker vs Gallagher](https://spot.insure/compare/embroker-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.
- [Embroker vs Gallagher Business Owner’s Policy](https://spot.insure/compare/embroker-vs-gallagher/business-owners-policy)
- [Embroker vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-gallagher/commercial-auto)
- [Embroker vs Gallagher Commercial Property Insurance](https://spot.insure/compare/embroker-vs-gallagher/commercial-property)
- [Embroker vs Gallagher Cyber Insurance](https://spot.insure/compare/embroker-vs-gallagher/cyber)
- [Embroker vs Gallagher D&O Insurance](https://spot.insure/compare/embroker-vs-gallagher/directors-officers)
- [Embroker vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-gallagher/employment-practices)
- [Embroker vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-gallagher/fiduciary)
- [Embroker vs Gallagher General Liability Insurance](https://spot.insure/compare/embroker-vs-gallagher/general-liability)
- [Embroker vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-gallagher/professional-errors-omissions)
- [Embroker vs Gallagher Surety Bonds](https://spot.insure/compare/embroker-vs-gallagher/surety-bonds)
- [Embroker vs Gallagher Tech E&O Insurance](https://spot.insure/compare/embroker-vs-gallagher/technology-errors-omissions)
- [Embroker vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-gallagher/workers-compensation)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Beazley vs Embroker Crime Insurance](https://spot.insure/compare/beazley-vs-embroker/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [CFC vs Embroker Crime Insurance](https://spot.insure/compare/cfc-vs-embroker/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. Accessed 2026-09-23.

### 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.

### 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.

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/embroker-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)