What Are the Key Differences Between Coalition and The Hartford Crime Insurance?
If you are publicly traded, The Hartford explicitly includes public companies in its crime buyer list. Coalition’s FAQ focuses on private and nonprofit U.S. organizations; its published ceilings help those buyers assess fit before requesting a quote. Choose The Hartford if you are a public company; choose Coalition if you are a private or nonprofit buyer within its employee and asset caps and need a possible $10 million per-line limit. [3]
How Each Offering Is Packaged
Coalition designs crime inside Executive Risks and sells it through appointed brokers. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) on the financial-institutions product track. [3] [5]
Who Can Buy
Coalition’s FAQ names private and not-for-profit U.S. organizations with employee, asset and plan-asset ceilings. The Hartford says crime in this lineup is available to nonprofit organizations, publicly traded companies and privately-held companies. [3] [5]
Coverage Description and Published Limits
Coalition describes losses from theft, fraud and certain cybercrimes, subject to exclusions, and publishes a possible $10 million per-line limit. The Hartford says crime helps cover business-related crimes like employee theft, forgery or robbery, using an employee stealing from a cash register as an example. The Hartford’s reviewed page does not publish crime limits. [3] [5]
What Should You Confirm in Coalition and The Hartford Crime Insurance Quotes?
- Ask The Hartford whether you are quoting Private Choice Premier crime or the financial-institutions bond and commercial-crime track. [5]
- Compare The Hartford’s bound limit with Coalition’s $10 million per-line figure. [3] [5]
- Confirm Coalition’s Zurich versus surplus route. [4]
- If you are a public company, The Hartford lists that buyer type; Coalition’s FAQ names private and not-for-profit buyers. [5] [3]