Gallagher vs 
The Hartford Crime Insurance
Gallagher brokers fidelity and crime with unnamed carriers; The Hartford underwrites crime inside Private Choice Premier and as financial-institutions fidelity.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 7,8,9
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 11
Key Differences in Crime Insurance
Broker Versus Hartford as Insurer
Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients, and its Executive and Financial Risk practice places larger accounts; Gallagher does not underwrite either policy, and neither reviewed Gallagher page names the issuer. The Hartford’s crime insurance is one of five options in its Private Choice Premier management-liability package and is offered separately as bond and commercial crime (fidelity) coverage in its financial-institutions product track. 6 3 10
What Each Describes as Covered
Gallagher describes losses from fraudulent or dishonest acts, including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, using an employee stealing from a cash register as an example. The Hartford’s extracted claims do not list computer fraud or funds-transfer fraud by name. 6 10
Buyers Named and How Limits Are Set
Gallagher recommends the coverage for small businesses with funds-transfer, computer-fraud, employee-fraud or property-destruction exposure; for larger accounts it describes peer analysis and a Surety Association exposure index to set limits, without publishing dollar amounts. The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. Gallagher’s small-business path starts with a Connect With An Advisor form. 6 3 10
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime sits in Private Choice Premier or on the financial-institutions bond and commercial-crime track. 10
- Ask Gallagher which desk is placing you and which carrier it proposes. 6 3
- Confirm whether computer fraud and funds-transfer fraud, which Gallagher lists, appear on The Hartford form beyond employee theft, forgery or robbery. 6 10
- Get limits and retentions in writing from both; Gallagher’s pages do not publish them. 6 10
Offering Details
Gallagher vs The Hartford Crime Insurance: documented features by provider
| Criteria | Gallagher Small Business Fidelity and Crime Insurance | The Hartford Crime Insurance |
|---|---|---|
| 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. | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 10Company-reported. Management liability product page as read 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| 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. | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 10Company-reported. Management liability 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. 6Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 10Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | Not described in the reviewed sources. |
| 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. | Not described in the reviewed sources. |
| 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. | Not described in the reviewed sources. |
Full Comparison
More Gallagher vs The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
