Coalition vs Usi: Commercial Crime Insurance

USI Insurance Services is a broker checking existing crime cover through ExecuSafe; Coalition's Executive Risks crime comes only through appointed brokers, for private and nonprofit organizations up to 1,000 employees.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-29

USI is the more specific fit for building, maintenance, janitorial, staffing and printing companies; Coalition gives eligible private or nonprofit U.S. buyers a possible $10 million crime limit and published size ceilings.

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
    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

  6. 06
    Crime Non-Financial Applications and Forms

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

  7. 07
    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

  8. 08
    Business Services

    USI Insurance Services · USI advises clients...and provides solutions for...Crime... · accessed 2026-09-23

  9. 09
    Protect Your Company and Personal Assets From Management Liability Risks

    USI Insurance Services · Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). · accessed 2026-09-23

What Are the Key Differences Between Coalition and USI Insurance Services Crime Insurance?

USI names building, repair, janitorial, staffing and printing companies in its Business Services practice; buyers outside those trades can still ask, but the crime-specific appetite is not stated. Coalition publishes private and nonprofit eligibility ceilings and a possible $10 million per-line limit. Choose USI if your business is one of those service trades and wants a broker review; choose Coalition if you are a private or nonprofit U.S. buyer within its published caps. [8] [3]

Designed Program Versus Brokered Review

Coalition designs Executive Risks crime and sells it through appointed brokers. USI brokers crime covering employee theft and related fraud, either standalone or as part of a management-liability review under ExecuSafe. [3] [8] [9]

Private and Not-for-Profit Caps Versus Service Trades

Coalition’s FAQ names private and not-for-profit U.S. organizations with employee and asset ceilings. USI’s Business Services practice, which lists crime, says it targets building and maintenance, repair, janitorial, staffing and printing companies, citing employee errors and misconduct as an exposure. [3] [8]

Paper, Limits and Services

Coalition names Zurich American as admitted Executive Risks paper and publishes a possible $10 million per-line limit. USI’s reviewed pages do not name a crime insurer or publish limits. USI says Business Services offers classification and exposure reviews, claim advocacy and risk control, and ExecuSafe checks existing crime coverage for gaps; Coalition’s reviewed crime sources do not describe that gap-review process. [4] [3] [8] [9]

How You Inquire

Coalition buyers use an appointed broker. USI directs business-services inquiries to a published email inbox or a local office, and ExecuSafe inquiries to a separate published email inbox. [3] [8] [9]

What Should You Confirm in Coalition and USI Insurance Services Crime Insurance Quotes?

  • Ask USI whether crime is a standalone placement or an ExecuSafe add-on, and which carrier issues it. [8] [9]
  • Compare USI’s bound limit with Coalition’s $10 million per-line figure. [3] [8]
  • Confirm Coalition’s Zurich versus surplus route. [4]
  • If you are in janitorial, staffing or printing, USI’s Business Services page names those trades; Coalition’s FAQ is private and not-for-profit size, not those occupations. [8] [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 ↗

USI Insurance Services

  • role: USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. Business Services catalogue and ExecuSafe article.company-reportedSource ↗Source ↗
  • insurer: Neither page names the insurer USI uses for crime placements. Pages as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. Company description of client base.company-reportedSource ↗
  • coverage: USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.company-reportedSource ↗Source ↗
  • limits: Neither page publishes crime coverage limit or retention figures. Pages as read on 2026-09-23.not-disclosedSource ↗
  • services: USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. Combines the general Business Services service list with the ExecuSafe-specific review step.company-reportedSource ↗Source ↗
  • application: USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. Contact instructions on each page.company-reportedSource ↗Source ↗

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