Alliance Risk vs Aon: Commercial Crime Insurance

What Are the Key Differences Between Alliance Risk and Aon Crime Insurance?

Loss Types and Terms

Alliance Risk lists employee theft, embezzlement, forgery, fraudulent electronic transfers, social engineering, impersonation, and burglary, with client-property theft available by endorsement. Aon lists Crime in its professional-services offerings but does not detail dishonest acts or bond forms. Ask Aon for the insuring agreements and compare them with Alliance Risk’s listed loss types. [2] [3]

Exclusions That Change the Fit

Alliance Risk says its crime coverage excludes business-income loss unless endorsed, cyber breach or hacking, losses discovered outside the policy period, and dishonest acts by owners or partners. Aon’s record does not specify comparable exclusions, so request its proposed wording and ask how the same scenarios are handled. [2] [3]

Buyer Audience and Placement

Alliance Risk describes common buyers handling cash, payments, or sensitive data, including finance, retail, healthcare, logistics, and nonprofits. Aon lists Crime for law, accounting, and consulting firms through its professional-services practice. Confirm that the relevant broker can place your organization and identify the issuing carrier. [2] [3]

What Should You Confirm in Alliance Risk and Aon Crime Insurance Quotes?

Which Alliance Risk endorsements address business-income loss, owner dishonesty, and cyber-enabled theft?
For Aon, what discovery trigger, covered crime agreements, limits, and insurer apply?

Alliance Risk describes named crime insuring agreements and exclusions; Aon lists crime within its professional-services brokerage practice without detailing policy terms.

Sources consulted

01
Alliance Products
Alliance Risk · Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries." · accessed 2026-09-23
02
Crime Insurance
Alliance Risk · What Is Crime Insurance?; Who Needs Crime Insurance?; What Does Crime Insurance Cover?; What Doesn't Crime Insurance Cover?; How Much Does Crime Insurance Cost? · accessed 2026-09-23
03
Professional Services Practice
Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30
04
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
05
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
06
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
07
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
08
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

Crime coverage

Alliance Risk

role: Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. Crime product page and the general brokerage disclosure on the coverage catalogue page.company-reportedSource ↗Source ↗
insurer: The crime insurance page does not name an issuing insurer or carrier for the coverage. Crime product page as read on 2026-09-23.not-disclosedSource ↗
coverage: Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued.company-reportedSource ↗
coverage: Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. Crime product page, What Doesn't Crime Insurance Cover? section.company-reportedSource ↗
eligibility: Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. Crime product page, Who Needs Crime Insurance? section.company-reportedSource ↗
limits: Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. Crime product page as read on 2026-09-23.not-disclosedSource ↗

Aon

role: Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
coverage: Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗