Gallagher vs 
Markel Insurance: How Do They Compare for Crime Insurance?
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. 1,2,3,4,5
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 7,8
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. 10,11,12,13,14
Key Differences in Crime Insurance
Placement and Crime Scope
Gallagher Small Business arranges fidelity and crime coverage with outside carriers and describes losses from credit-card forgery, computer and funds-transfer fraud, employee fraud, theft, and property destruction. Markel’s reviewed page lists eCrime within Cyber 360 rather than establishing a separate commercial crime form, with unauthorized transfers and fake payment instructions as examples. A business looking for a broader crime placement can ask Gallagher to source a policy; a Markel buyer should confirm the eCrime section and how it sits in the cyber contract. 6 9
Advisory Process and Risk Analysis
Gallagher routes small-business buyers to a Connect With An Advisor form that collects business details, employee count, and revenue; for larger accounts it says its limit-setting methodology uses peer analysis and an exposure index. Markel’s page directs prospective customers or brokers to contact Markel or its underwriting team, without establishing quote or binding timing. Gallagher therefore describes more detail about its intake and larger-account analysis, while Markel’s reviewed source leaves the path to a direct conversation. 6 9
Limits and Issuing Insurer
Gallagher’s reviewed crime pages do not publish standard limits or identify the insurer for a buyer’s policy. Markel’s eCrime claim also leaves exact terms to the quoted Cyber 360 policy. Neither overview yields a comparable limit or carrier name, so compare the declarations and ask who handles claims for the specific crime coverage. 6 9
What to Confirm in Crime Insurance Quotes
- Ask Gallagher which outside carrier will issue the crime policy and request each limit, retention, and sublimit, since standard amounts are not published. 6
- Ask Markel whether the proposal includes Cyber 360 eCrime and how fake payment instructions and unauthorized transfers are treated. 9
- Ask Gallagher whether the larger-account peer and exposure analysis applies to your account or only its larger-risk practice. 6
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
Gallagher vs Markel Insurance: Crime Insurance: documented features by provider
| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Markel Cyber 360 eCrime 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. 6,3Company-reported. Small-business crime product page and the group-level executive-risk practice page. | Markel lists eCrime within the fraud and unauthorized-use section of Cyber 360; the reviewed source does not establish a standalone commercial crime policy from this page. 9Company-reported. Cyber policy component only; not a fidelity bond. |
| 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. 6,3Not publicly disclosed. 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. 6Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting. | Markel describes these resources and coverages for Cyber 360 policyholders; the exact availability and terms require the quoted policy. 9Company-reported. Policyholder-specific access and policy wording apply. |
| 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. 6Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. | The page says eCrime may cover expenses from fraudulent activity such as unauthorized money transfers and fake payment instructions, subject to policy terms. 9Company-reported. Cyber 360 marketing description; does not establish a general crime-form grant. |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | Confirm in your quote. |
| 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. 3Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product. | Confirm in your quote. |
| 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. 6Company-reported. Product page inquiry form, inspected without submission. | Confirm in your quote. |
Full Comparison
More Gallagher vs Markel Insurance Comparisons
Other Crime Insurance Comparisons
Sources
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Crime. Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Cyber Insurance Coverage. Markel; Cyber 360 coverage options: media liability; technology professional liability; eCrime; coverages listed within the cyber policy. Accessed 2026-09-29.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. 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.
- Commercial Crime Coverage Application. 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.
