What Are the Key Differences Between Alliance Risk and USI Insurance Services Crime Insurance?
Built for Service Trades vs Cash-Handling Businesses
USI's Business Services practice, which places crime cover, names building maintenance, repair, janitorial, staffing and printing companies and cites employee misconduct as a risk it addresses. Alliance Risk names businesses that handle cash, payments or sensitive data, companies with accounting or procurement teams, nonprofits with volunteer financial oversight, and finance, retail, healthcare and logistics firms. Choose USI if you run a staffing, janitorial or maintenance company, or already hold D&O or EPL cover you want checked for crime gaps; choose Alliance Risk if you handle cash or client payments and want to see covered perils and price ranges before you call. [8] [9] [2]
Gap Review vs a Published Peril List
USI's ExecuSafe process reviews your existing crime coverage for gaps as part of a broader management-liability review, and Business Services offers classification and exposure reviews, claim advocacy and risk control. Alliance Risk instead itemizes what it places: employee theft, forgery, fraudulent funds transfer, social-engineering impersonation, and burglary, robbery and safe burglary. It also lists exclusions, including business-income loss unless endorsed, cyber hacking, undiscovered losses and owner or partner dishonesty. USI does not publish a peril or exclusion list, so you'll only see its terms in a proposal. [9] [8] [2]
Price Visibility and How You Reach Them
Alliance Risk publishes typical annual premiums, from $500 to $2,000 for small businesses up to $10,000 to $50,000 or more for large enterprises. USI publishes no price or limit figures; you email its property-casualty inbox or a local office, and management-liability inquiries go to a separate inbox. Neither names an issuing insurer. [2] [8] [9]
What Should You Confirm in Alliance Risk and USI Insurance Services Crime Insurance Quotes?
- Ask USI whether you are getting a new crime placement or an ExecuSafe gap review of coverage you already have. [9]
- Get the issuing insurer, limit and retention in writing from both brokers. [8] [2]
- Hold the form USI proposes against Alliance Risk's listed perils and exclusions, especially owner dishonesty and business-income loss. [2] [8]