Gallagher vs 
Zurich U.S.: How Do They Compare for Crime Insurance?
What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 7,8
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 10,11,12,13,14
Key Differences in Crime Insurance
Loss categories and direct-loss wording
Gallagher describes employee fraud, theft, forgery, computer fraud, funds-transfer fraud and property destruction as crime risks it arranges coverage for. Zurich describes employee theft or forgery and defines computer and funds-transfer fraud around direct loss from particular transfer mechanisms. A buyer facing payment diversion should ask each to identify the exact insuring agreement, especially whether a social-engineering instruction meets the trigger. 6 9
Setting limits and assessing exposure
For larger accounts, Gallagher says its limit methodology uses peer analysis and an exposure index; Zurich describes crime-risk assessment services intended to identify vulnerabilities and recommend resilience steps. These support different parts of a placement decision: Gallagher’s method informs limit selection, while Zurich’s service focuses on risk review. Ask for the proposed limit rationale and the deliverable from any assessment. 3 9
Small-business buying route
Gallagher’s small-business page routes prospects to an advisor form collecting company details, employee count and revenue. Zurich’s offering includes standalone and package solutions, but its reviewed page does not describe a direct quote workflow. Confirm who will gather underwriting details, which carrier issues the Gallagher placement, and what form Zurich proposes before comparing premiums. 6 9
What to Confirm in Crime Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Gallagher vs Zurich U.S.: Crime Insurance: documented features by provider
| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Zurich Commercial Crime Insurance |
|---|---|---|
| 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. 6,3Company-reported. Small-business crime product page and the group-level executive-risk practice page. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| 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. 6Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting. | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. 9Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary. |
| 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. 6Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. 9Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control. Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. 9Company-reported. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms. |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | Confirm in your quote. |
| 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. 3Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product. | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. 9Company-reported. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant. |
| 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. 6Company-reported. Product page inquiry form, inspected without submission. | Confirm in your quote. |
Full Comparison
More Gallagher vs Zurich U.S. Comparisons
Other Crime Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Crime. Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
