Gallagher vs USI Insurance Services: How Do They Compare for Crime Insurance?

USI Insurance Services brokers crime and reviews existing crime cover in ExecuSafe, with its Business Services practice targeting janitorial, staffing and repair service firms; Gallagher offers small businesses an advisor form.

Gallagher fits small businesses or larger accounts seeking peer-based limit analysis; USI names building, repair, janitorial, staffing and printing firms and can place crime separately or review it through ExecuSafe. ^1,^2,^3,⁴

What Are the Key Differences Between Gallagher and USI Insurance Services Crime Insurance?

If your current management-liability program may have gaps, USI describes an ExecuSafe review of existing crime coverage. Gallagher instead describes a limit-setting approach for larger accounts and uses an advisor form for small-business inquiries. ⁴ ² ¹

Gallagher Desks Versus USI Business Services and ExecuSafe

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. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither Gallagher page nor USI’s reviewed pages name the insurer. ¹ ² ³ ⁴

Trades Named Versus Small-Business Perils

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 among the exposures it addresses. Gallagher recommends fidelity and crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property, and describes those perils plus credit-card forgery and theft. ³ ¹

Gap Checks, Risk Control and Intake

USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and ExecuSafe specifically checks existing crime coverage for gaps. For larger Gallagher accounts, limit-setting uses peer analysis and a Surety Association exposure index; neither Gallagher page publishes crime limits, and USI’s pages likewise do not. Gallagher routes small-business crime buyers to a Connect With An Advisor form; USI directs business-services inquiries to a published email or local office, and ExecuSafe inquiries to a separate Select Business email. ³ ⁴ ² ¹

What Should You Confirm in Gallagher and USI Insurance Services Crime Insurance Quotes?

Ask USI whether crime is a standalone placement or part of an ExecuSafe review, and which inbox or office will handle you. ³ ⁴
If you are in janitorial, staffing or similar trades USI names, confirm those classification and exposure reviews apply to the crime quote. ³
Get the writing company and limits from both. ³ ¹

Gallagher vs USI Insurance Services Crime Insurance Compared

Gallagher vs USI Insurance Services: Crime Insurance: documented features by provider

Criteria	Gallagher Small Business Fidelity and Crime Insurance	USI Crime Insurance Brokerage
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.	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. ³Company-reported. Company description of client base.
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.	USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^3,⁴Company-reported. Contact instructions on each page.
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.	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. ^3,⁴Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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.	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. ^3,⁴Company-reported. Business Services catalogue and ExecuSafe article.
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.	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. ^3,⁴Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.