Gallagher vs RiskCube Crime Insurance

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.

RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ¹⁰Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.

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.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. ⁹Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.

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.

RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ¹⁰Company-reported. Catalogue Commercial Crime card.

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.

RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ¹⁰Company-reported. Catalogue Commercial Crime card summary.

Neither page publishes specific crime coverage limits or premium ranges. ^6,3Not publicly disclosed. Checked both pages on 2026-09-23.

RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. ¹⁰Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.

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.

The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. ¹⁰Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.

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.

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. ¹⁰Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.

Not described in the reviewed sources.

The reviewed catalogue page does not describe claims handling specific to commercial crime. ¹⁰Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.