Gallagher vs Travelers: How Do They Compare for Crime Insurance?

Travelers underwrites fidelity and crime itself, bought through an independent agent, with a social engineering fraud endorsement; Gallagher sends small businesses to an advisor form to arrange crime with outside carriers.

Gallagher suits small businesses seeking broker help or larger accounts needing peer-based limit analysis; Travelers serves private, public and nonprofit buyers who want multiple crime agreements and an optional social-engineering endorsement. ^1,^2,³

What Are the Key Differences Between Gallagher and Travelers Crime Insurance?

Gallagher describes similar small-business perils and a separate peer-based method for larger accounts. ³ ¹ ²

Placement Versus Travelers as Writer

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. Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under Management & Professional Liability rather than as a single fixed policy. Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property casualty affiliates; Gallagher’s pages do not name an issuer. ¹ ² ³

Agreements, Endorsements and Guidance

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, and lists threats such as employee dishonesty and theft, funds-transfer fraud, computer fraud, employee fraud and social-engineering fraud. It offers a social-engineering fraud endorsement and publishes Coverage 101 and social-engineering protection resources. Gallagher describes credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property, and for larger accounts describes a peer-database and Surety Association index method for setting limits. ³ ¹ ²

Who Sells It and Who It Is Marketed To

Fidelity and crime at Travelers is bought through a Travelers independent agent, and Travelers markets the coverage to nonprofit organizations, private companies and public companies. Gallagher’s small-business crime page uses a Connect With An Advisor form. Travelers’ reviewed page does not publish limits, deductibles or premiums; Gallagher’s pages also do not. ³ ¹

What Should You Confirm in Gallagher and Travelers Crime Insurance Quotes?

Ask which Travelers entity would issue the policy versus which carrier Gallagher would place. ³ ¹
Ask Travelers which insuring agreements are bound and whether the social-engineering fraud endorsement is included. ³
Ask Gallagher whether Small Business or Executive and Financial Risk is handling you. ¹ ²
Confirm dollar limits; neither reviewed page publishes standard figures. ³ ¹

Gallagher vs Travelers Crime Insurance Compared

Gallagher vs Travelers: Crime Insurance: documented features by provider

Criteria	Gallagher Small Business Fidelity and Crime Insurance	Travelers Fidelity & 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. ¹Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.	Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ³Company-reported. Product page "Who is fidelity and crime coverage right for?" section.
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. ¹Company-reported. Product page inquiry form, inspected without submission.	Fidelity and crime coverage is bought through a Travelers independent agent. ³Company-reported. Product page "Find an insurance agent" call to action.
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. ¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.	Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ³Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.
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. ^1,²Company-reported. Small-business crime product page and the group-level executive-risk practice page.	Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ³Company-reported. Product page "What is fidelity and crime coverage?" section.
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. ²Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.	Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ³Company-reported. Product page Resources section.