---
title: "Embroker vs Gallagher: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-gallagher"
provider-a: "embroker"
provider-b: "gallagher"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and Gallagher for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Embroker versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Embroker or Gallagher?
- What does Embroker or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Embroker and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 offers standalone crime or a BOP/D&O add-on with listed exclusions; Gallagher serves small businesses and larger accounts with peer-based limit analysis for larger buyers.

## Embroker vs Gallagher Crime Insurance Summary

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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## 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](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. [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Get the issuing carrier name from Gallagher’s quote. [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Embroker vs Gallagher Crime Insurance Compared

| 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. [1](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. [2](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. [1](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. [1](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. [1](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. [2](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..) |
| 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. [1](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. [2](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](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..) |

## About Embroker and Gallagher and Crime Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Embroker vs Gallagher Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime)
- [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)

## Sources for Embroker vs Gallagher Crime Insurance

### Sources About Embroker

1. [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.

### Sources About Gallagher

2. [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.
3. [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.

Updated 2026-09-25. 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.

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