Gallagher vs USI Insurance Services 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.

USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^10,11Company-reported. Business Services catalogue and ExecuSafe article.

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.

Neither page names the insurer USI uses for crime placements. ¹⁰Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ¹⁰Company-reported. Company description of client base.

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.

USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^10,11Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

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

Neither page publishes crime coverage limit or retention figures. ¹⁰Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. ^10,11Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^10,11Company-reported. Contact instructions on each page.