Coalition vs Markel: Commercial Crime Insurance

Markel Insurance lists eCrime within Cyber 360 for fraud such as unauthorized money transfers, subject to policy terms; Coalition covers theft, fraud and certain cybercrimes within Executive Risks, with limits up to $10 million that may be available.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

Coalition places crime in its broker-distributed Executive Risks suite, with stated organization-size thresholds and possible limits up to $10 million per line. Markel describes eCrime within Cyber 360 and does not establish a standalone crime policy.

Sources consulted

  1. 01
    Commercial Insurance Guide

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

  2. 02
    Social Engineering Fraud Insurance

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

  3. 03
    Executive Risks

    Coalition · Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? · accessed 2026-09-23

  4. 04
    U.S. Disclaimers

    Coalition · Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535) · accessed 2026-09-23

  5. 05
    Cyber Insurance Coverage

    Markel · Cyber 360 coverage options: media liability; technology professional liability; eCrime; coverages listed within the cyber policy · accessed 2026-09-29

  6. 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

  7. 07
    Crime Non-Financial Applications and Forms

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

  8. 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

What Are the Key Differences Between Coalition and Markel Insurance Crime Insurance?

Where Crime Sits in the Program

Coalition designs and distributes crime as one of four Executive Risks coverages through appointed brokers. Markel’s reviewed Cyber 360 page lists eCrime under fraud and unauthorized use and does not establish a standalone commercial crime policy. For buyers comparing a crime placement with cyber-related fraud protection, the program structure changes which quote and policy wording to request: Coalition’s crime coverage is part of Executive Risks, while Markel’s documented feature is within Cyber 360. [3] [5]

Eligible Organizations and Limits

Coalition states that Executive Risks crime is available to private and nonprofit U.S. organizations with up to $500 million in assets, 1,000 employees, and $500 million in plan assets; it says limits up to $10 million per coverage line may be available. Markel describes eCrime for Cyber 360 policyholders but leaves availability and terms to the quote. Coalition’s published thresholds give larger organizations a first eligibility screen; Markel buyers need confirmation that their cyber placement includes the component and its limit. [3] [5]

Fraud Scope and Placement

Coalition says its crime coverage responds to criminal activity including theft, fraud, and certain cybercrimes, subject to exclusions and limitations. Markel names unauthorized transfers and fake payment instructions as eCrime examples. Coalition requires an appointed broker for Executive Risks; Markel directs buyers to Markel or the named underwriting team for its broader Cyber 360 placement. Ask how the forms distinguish a covered crime loss from cyber response expense. [3] [5] [3] [5]

What Should You Confirm in Coalition and Markel Insurance Crime Insurance Quotes?

  • Ask Coalition which carrier and placement route applies, then request the crime-specific limit and exclusions. [3]
  • Ask Markel whether eCrime appears on the Cyber 360 quote and what limit applies to fake payment instructions and unauthorized transfers. [5]
  • Compare each form’s treatment of cybercrime, theft, and fraud scenarios before assuming the policies respond to the same loss. [3]

Crime coverage

Coalition

  • role: Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.company-reportedSource ↗
  • 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. Executive Risks FAQ as read on 2026-09-23.company-reportedSource ↗
  • 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. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.company-reportedSource ↗
  • insurer: Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. U.S. Disclaimers page as read on 2026-09-23.company-reportedSource ↗
  • application: Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗

Markel Insurance

  • role: Markel lists eCrime within the fraud and unauthorized-use section of Cyber 360; the reviewed source does not establish a standalone commercial crime policy from this page. Cyber policy component only; not a fidelity bond.company-reportedSource ↗
  • coverage: The page says eCrime may cover expenses from fraudulent activity such as unauthorized money transfers and fake payment instructions, subject to policy terms. Cyber 360 marketing description; does not establish a general crime-form grant.company-reportedSource ↗
  • eligibility: Markel describes these resources and coverages for Cyber 360 policyholders; the exact availability and terms require the quoted policy. Policyholder-specific access and policy wording apply.company-reportedSource ↗

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