--- title: "Gallagher vs USI Insurance Services: Crime Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-usi/crime" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-usi" provider-a: "gallagher" provider-b: "usi" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-usi/crime) ## Agent Guide **What this page is:** Focused comparison of Gallagher and USI Insurance Services 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 USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs USI Insurance Services for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Gallagher or USI Insurance Services? - What does Gallagher or USI Insurance Services publish about Crime Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Crime Insurance. Providers: Gallagher and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi) — 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 - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # 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 offers small-business and large-account crime teams; USI names business-services trades and can place crime standalone or review existing coverage through ExecuSafe. ## Gallagher vs USI Insurance Services Crime Insurance Summary 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](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.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") ### 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](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.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") ### 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") ## 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - If you are in janitorial, staffing or similar trades USI names, confirm those classification and exposure reviews apply to the crime quote. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") - Get the writing company and limits from both. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") ## Gallagher vs USI Insurance Services Crime Insurance Compared | 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. [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..) | 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. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) | ## About Gallagher and USI Insurance Services and Crime Insurance - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Crime Insurance?](https://spot.insure/coverage/crime) ## Related Pages for Gallagher vs USI Insurance Services Crime Insurance - [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi): 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) - [USI Insurance Services Crime Insurance](https://spot.insure/insurance-providers/usi/crime) ## Sources for Gallagher vs USI Insurance Services 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 USI Insurance Services 3. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Crime.... Accessed 2026-09-23. 4. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-usi/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)