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
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 7,8,9
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. 11,12,13,14,15
Key Differences in Crime Insurance
Coverage Detail
Gallagher describes Fidelity and Crime as covering credit card forgery, computer fraud, funds-transfer fraud, employee fraud and theft or destruction of property 6. Nationwide's overview does not itemize insuring agreements 10.
Broker Placement Versus Carrier Product
Gallagher arranges crime with outside carriers and does not underwrite, and neither of its reviewed pages names the issuing insurer 6. Nationwide presents crime as a commercial product from the carrier, with limits left to the policy form 10.
Account Size and Method
For larger accounts Gallagher's Executive and Financial Risk practice sets limits using peer analysis and an exposure index 3. Nationwide says availability depends on underwriting review 10.
What to Confirm in Crime Insurance Quotes
- Ask Gallagher which carriers and limits would be offered for your size of account.
- Ask Nationwide whether funds-transfer and computer fraud are included and at what sublimits.
- Confirm what intake information each route needs, such as revenue and headcount.
Gallagher and Nationwide Review Scores for 2026
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
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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsGallagher vs Nationwide Crime Insurance Compared
Gallagher vs Nationwide: Crime Insurance: documented features by provider
| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Nationwide crime (official overview) |
|---|---|---|
| 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. | Nationwide describes offering crime for the audience stated on the cited product page. 10Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Commercial organizations considering management-liability products; page describes product options and underwriting review. 10Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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 cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 10Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 10Company-reported. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for Gallagher vs Nationwide Crime Insurance
Crime Insurance Pages for Gallagher and Nationwide
Other Coverage Lines Compared for Gallagher vs Nationwide
Other Crime Insurance Provider Comparisons
Sources for Gallagher vs Nationwide Crime Insurance
Sources About 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.
Sources About Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Liability Products | Nationwide. Nationwide; Crime section; products list within management-liability specialty. Accessed 2026-09-30.
Sources for the 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.
