---
title: "Gallagher vs Lockton: Crime Insurance"
description: "Gallagher supports small businesses and uses peer analysis to set larger-account crime limits; Lockton serves private, public and nonprofit organizations and provides claims support through its Professional & Executive Risk team."
canonical: "https://spot.insure/compare/gallagher-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-lockton"
provider-a: "gallagher"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Gallagher and Lockton 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 Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Gallagher and Lockton.
- 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:**
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# Gallagher vs Lockton: How Do They Compare for Crime Insurance?

Gallagher sends small businesses to an advisor form and uses peer analysis to set limits for larger accounts; Lockton brokers crime and fidelity for organizations of any sector, with claims handled inside its broking team.

Gallagher serves small businesses and larger accounts with peer-based limit analysis; Lockton serves private, public and nonprofit buyers and names a dedicated claims team.

## Gallagher vs Lockton Crime Insurance Summary

Gallagher supports small businesses and uses peer analysis to set larger-account crime limits; Lockton serves private, public and nonprofit organizations and provides claims support through its Professional & Executive Risk team. [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What Are the Key Differences Between Gallagher and Lockton Crime Insurance?

Lockton names a dedicated crime claims team, while Gallagher describes its account-size-specific brokerage and limit-setting method. Financial institutions should ask Lockton whether they need a financial institution bond instead of general crime coverage. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Two Brokered Fidelity and Crime Practices

Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, and its Executive and Financial Risk practice places the same coverage for larger accounts; Gallagher does not underwrite. Lockton places Crime and Fidelity as a brokered program against theft, fraud, forgery and embezzlement by employees or third parties, not as a Lockton-issued policy. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Listed Claim Types

Gallagher describes coverage for fraudulent or dishonest acts including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation involving customers, vendors or employees. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## What Should You Confirm in Gallagher and Lockton Crime Insurance Quotes?

- Ask Gallagher whether the quote is small-business or executive-risk, and whether peer-analysis limits apply. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Lockton whether you need a financial institution bond or general crime and fidelity. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a crime loss. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Compare social-engineering impersonation on Lockton with Gallagher’s funds-transfer fraud wording on the bound forms. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

## Gallagher vs Lockton Crime Insurance Compared

| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| 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. [1](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..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| 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. [1](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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](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..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About Gallagher and Lockton and Crime Insurance

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

## Related Pages for Gallagher vs Lockton Crime Insurance

- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton): 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 Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for Gallagher vs Lockton Crime Insurance

### Sources About Gallagher

1. [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.
2. [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.

### Sources About Lockton

3. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-lockton/crime.md)
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- [MCP server manifest](https://spot.insure/server.json)
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