---
title: "Gallagher vs The Hartford: Crime Insurance"
description: "Gallagher fits small businesses seeking broker placement or larger accounts needing peer-based limit analysis; The Hartford names public, private and nonprofit companies and offers crime in Private Choice Premier and a separate financial-institutions track."
canonical: "https://spot.insure/compare/gallagher-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-the-hartford"
provider-a: "gallagher"
provider-b: "the-hartford"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Gallagher and The Hartford.
- 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 The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

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

The Hartford offers crime as one of five options in its Private Choice Premier management liability package; Gallagher arranges fidelity and crime with outside carriers and does not underwrite either policy.

Gallagher offers small-business and large-account crime teams with peer-based limit analysis; The Hartford lists crime for public, private and nonprofit companies in two product tracks.

## Gallagher vs The Hartford Crime Insurance Summary

Gallagher fits small businesses seeking broker placement or larger accounts needing peer-based limit analysis; The Hartford names public, private and nonprofit companies and offers crime in Private Choice Premier and a separate financial-institutions track. [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://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

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

The Hartford explicitly names public companies and nonprofits among its crime buyers and includes crime in Private Choice Premier; financial institutions have a separate bond and commercial-crime track. Gallagher separates small-business crime from its large-account practice. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [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")

### 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. [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://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [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://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

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

- Ask The Hartford whether crime sits in Private Choice Premier or on the financial-institutions bond and commercial-crime track. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Gallagher which desk is placing you and which carrier it proposes. [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")
- Confirm whether computer fraud and funds-transfer fraud, which Gallagher lists, appear on The Hartford form beyond employee theft, forgery or robbery. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Get limits and retentions in writing from both; Gallagher’s pages do not publish them. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Gallagher vs The Hartford Crime Insurance Compared

| Criteria | Gallagher Small Business Fidelity and Crime Insurance | The Hartford Crime Insurance |
| --- | --- | --- |
| 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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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..) | 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About Gallagher and The Hartford and Crime Insurance

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

## Related Pages for Gallagher vs The Hartford Crime Insurance

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford): 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)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for Gallagher vs The Hartford 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 The Hartford

3. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). 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.

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.

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