--- title: "Gallagher vs Liberty Mutual: Crime Insurance" description: "Gallagher Small Business routes crime prospects to an adviser and lists crime risks; Liberty Mutual describes crime within ProShield for private and nonprofit organizations." canonical: "https://spot.insure/compare/gallagher-vs-liberty-mutual/crime" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "gallagher-vs-liberty-mutual" provider-a: "gallagher" provider-b: "liberty-mutual" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-liberty-mutual/crime) ## Agent Guide **What this page is:** Focused comparison of Gallagher and Liberty Mutual 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 Gallagher versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs Liberty Mutual for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Gallagher or Liberty Mutual? - What does Gallagher or Liberty Mutual publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from Gallagher or Liberty Mutual? **Key facts:** - Line: Crime Insurance. Providers: Gallagher and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Gallagher vs Liberty Mutual](https://spot.insure/compare/gallagher-vs-liberty-mutual) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Gallagher vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual D&O Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/gallagher-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Surety Bonds](https://spot.insure/compare/gallagher-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Crime Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Gallagher Crime Insurance](https://spot.insure/compare/aon-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) # Gallagher vs Liberty Mutual: How Do They Compare for Crime Insurance? Gallagher Small Business routes crime prospects to an adviser and lists crime risks; Liberty Mutual describes crime within ProShield for private and nonprofit organizations. ## How to Use the Gallagher vs Liberty Mutual Crime Insurance Comparison Use this comparison to evaluate Gallagher and Liberty Mutual 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. ## Gallagher vs Liberty Mutual Crime Insurance Summary Gallagher Small Business describes adviser-assisted crime placement and lists employee, computer and funds-transfer fraud risks; Liberty Mutual describes crime as part of its combined ProShield policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Is Gallagher? Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](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 Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [7](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [8](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [12](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [13](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [14](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## What Are the Key Differences Between Gallagher and Liberty Mutual Crime Insurance? ### Small-business placement route and package Gallagher Small Business directs prospects to a Connect With An Advisor form for Fidelity and Crime coverage. Liberty Mutual describes crime in ProShield, a package for private and not-for-profit organizations that combines management-liability coverages. A small business can compare adviser-assisted placement with the package route while confirming the actual carrier and quoted terms. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### Crime categories and buyer questions Gallagher lists credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property; it recommends the line for small businesses exposed to these risks. Liberty Mutual lists employee dishonesty, embezzlement, safe burglary and computer fraud. Both are product summaries rather than insuring agreements, so compare the definitions and limits in the policies. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in Gallagher and Liberty Mutual Crime Insurance Quotes? - Ask Gallagher which carrier and crime limits are proposed after the adviser review. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") - Ask Liberty Mutual which ProShield crime agreements and organization criteria apply. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## Gallagher vs Liberty Mutual Crime Insurance Compared | Criteria | Gallagher Small Business Fidelity and Crime Insurance | Liberty Mutual ProShield Crime coverage | | --- | --- | --- | | Role in This Line | 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. [6](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..) | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Issuing Insurer | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [6](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: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | Confirm in your quote. | | Who It’s For | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [6](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..) | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Coverage Features | 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. [6](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..) | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. [6](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: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | 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. [3](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..) | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [9](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | How to Apply | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) | Confirm in your quote. | ## Related Pages for Gallagher vs Liberty Mutual Crime Insurance - [Gallagher vs Liberty Mutual](https://spot.insure/compare/gallagher-vs-liberty-mutual): 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. - [Gallagher vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-liberty-mutual/business-owners-policy) - [Gallagher vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/commercial-auto) - [Gallagher vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/commercial-property) - [Gallagher vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/cyber) - [Gallagher vs Liberty Mutual D&O Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/directors-officers) - [Gallagher vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/employment-practices) - [Gallagher vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/gallagher-vs-liberty-mutual/fidelity-bonds) - [Gallagher vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/fiduciary) - [Gallagher vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/general-liability) - [Gallagher vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/kidnap-ransom) - [Gallagher vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/professional-errors-omissions) - [Gallagher vs Liberty Mutual Surety Bonds](https://spot.insure/compare/gallagher-vs-liberty-mutual/surety-bonds) - [Gallagher vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/technology-errors-omissions) - [Gallagher vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/umbrella-excess) - [Gallagher vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-liberty-mutual/workers-compensation) - [AIG vs Gallagher Crime Insurance](https://spot.insure/compare/aig-vs-gallagher/crime) - [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) - [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime) - [Alliance Risk vs Liberty Mutual Crime Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime) - [Aon vs Gallagher Crime Insurance](https://spot.insure/compare/aon-vs-gallagher/crime) - [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) ## Sources for Gallagher vs Liberty Mutual Crime Insurance ### Sources About Gallagher 1. [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. 2. [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. 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. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [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. 6. [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. ### Sources About Liberty Mutual 7. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 8. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 9. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### Sources for the Crime Insurance Guide 10. [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. 11. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 12. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 13. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 14. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Gallagher Review Scores for 2026 Review Score: 9.3 / 10 from 3 rated sources, equally weighted. Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service. - J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com) - BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-liberty-mutual/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)