Alliance Risk vs Chubb: Commercial Crime Insurance

Chubb underwrites crime as one part of its ForeFront Portfolio, available digitally on Chubb Marketplace and targeting organizations under 250 employees and $50 million in revenue; Alliance Risk is a brokerage placing crime and lists its exclusions.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

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

Packaged Product for Smaller Firms vs Broker Placement

Chubb's crime cover is one of seven parts of ForeFront Portfolio for private companies, nonprofits and healthcare organizations, and agents can quote, bind and issue it on Chubb Marketplace for organizations under 250 employees and $50 million revenue. Alliance Risk brokers crime cover and names its typical buyers instead: cash-handling businesses, companies with accounting or procurement teams, nonprofits with volunteer financial oversight, and finance, retail, healthcare or logistics firms. Choose Chubb if you fit that size band and want crime bundled with other management liability parts; choose Alliance Risk if you're larger or want a broker to shop the policy. [6] [5] [2]

Which Theft Scenarios Are Listed

Both list employee theft, social-engineering fraud and fraudulent funds transfers. Alliance Risk adds forgery, burglary, robbery and safe burglary, with client-property theft only by endorsement. Chubb names client theft by your employee and extends employee theft to temporary and contracted workers, but presents these as claim examples, not policy wording. [2] [6]

Published Exclusions and Costs

Alliance Risk says its crime cover excludes business-income loss unless endorsed, hacking losses, losses not discovered during the policy period and dishonest acts by owners or partners, and it gives typical premiums from $500–$2,000 a year for small businesses. Chubb's product sheet publishes neither exclusions nor pricing, only illustrative losses from over $100,000 to over $1 million. [2] [6]

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

  • Confirm you sit inside Chubb's Marketplace appetite of under 250 employees and $50 million revenue. [6]
  • Ask Alliance Risk which insurer will issue the policy; Chubb names ACE American Insurance Company and its US affiliates. [2] [6]
  • Get the limit, retention and any social-engineering sublimit in writing from both; neither publishes them. [6] [2]
  • Ask whether client-property theft needs an endorsement and whether temporary workers count as employees. [2] [6]

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 ↗

Chubb

  • role: Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ForeFront Portfolio Crime Insurance product sheet.company-reportedSource ↗
  • insurer: Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.company-reportedSource ↗
  • coverage: Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.company-reportedSource ↗
  • eligibility: On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.company-reportedSource ↗
  • limits: The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms.not-foundSource ↗
  • application: The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. Online Ease section; agents and brokers use Marketplace to place the policy.company-reportedSource ↗Source ↗

Chubb sells crime cover inside its ForeFront Portfolio, aimed at organizations under 250 employees and $50 million revenue and quoted digitally by agents on Chubb Marketplace. Alliance Risk is a broker that shops crime cover for you and does not publish size limits.

Sources consulted

  1. 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

  2. 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

  3. 03
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  4. 04
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  5. 05
    The ForeFront Portfolio

    Chubb · Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting · accessed 2026-09-23

  6. 06
    The ForeFront Portfolio — Crime Insurance

    Chubb · Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line · accessed 2026-09-23

  7. 07
    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

  8. 08
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  9. 09
    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

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