What Are the Key Differences Between Alliance Risk and Gallagher Crime Insurance?
Use a Small-Business Intake or a Large-Account Review
Gallagher’s small-business crime page routes buyers to an adviser form asking for company details, employee count and annual revenue. Its Executive and Financial Risk practice handles larger accounts and describes peer-based limit analysis. Choose Gallagher’s large-account team if you need a limit recommendation grounded in peer data; choose Alliance Risk if you want a broker placement and published typical premium ranges to discuss. [6] [5] [2]
Ask How Gallagher Calculates the Limit
Gallagher says its large-account limit method uses third-party peer databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. Alliance Risk publishes premium bands but no comparable limit-setting method. Neither provider publishes specific crime limits, so ask how the recommended amount maps to your exposures. [5] [2] [6]
Compare Perils and Services
Gallagher describes crime and fidelity losses including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and property destruction. Alliance Risk lists employee theft, forgery, fraudulent EFT, social-engineering impersonation, burglary, robbery and safe burglary; business-income loss is excluded unless endorsed. [6] [2]
What Should You Confirm in Alliance Risk and Gallagher Crime Insurance Quotes?
- Ask Gallagher whether your account will be handled by Small Business or Executive and Financial Risk. [6] [5]
- For a large account, request the peer analysis and exposure-index work supporting the proposed limit. [5]
- Get the issuing carrier from both brokerages. [2] [6]
- Compare whether social-engineering impersonation and burglary or safe burglary appear in Gallagher’s proposed form. [2] [6]