What Are the Key Differences Between Coalition and Embroker Crime Insurance?
Coalition’s Suite Versus Embroker’s Standalone Policy
Coalition includes crime in Executive Risks and says limits up to $10 million per line may be available; Embroker sells a standalone crime policy. Embroker lists exclusions for lost income, indirect loss, executive or partner collusion, third-party liabilities and some stolen data, while Coalition says exclusions apply but does not publish an equivalent list on its reviewed page. Choose Coalition if you qualify as a private or nonprofit U.S. organization and need the suite; choose Embroker if you need standalone crime and can accept its listed exclusions. [3] [5]
Coverage Descriptions
Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged as subject to exclusions and limitations. Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud. [3] [5]
Limits
Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Embroker does not publish standard crime policy limits and says pricing depends on factors such as employee count, locations, revenue, office security measures and financial controls. [3] [5]
Eligibility
Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed. [3] [5]