Coalition vs Zurich: Commercial Crime Insurance

Zurich U.S. offers crime as standalone policies or packages for public and private companies; Coalition crime is sold only through appointed brokers, with Zurich American named as admitted carrier and some placements made with unaffiliated insurers.

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

Coalition includes crime in Executive Risks, available through appointed brokers and with limits up to $10 million per coverage line. Zurich offers standalone or packaged crime coverage and separately describes electronic-fraud terms.

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
    Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.

    Zurich U.S. · Crime product, standalone/package availability, loss examples, risk assessment services · accessed 2026-09-28

What Are the Key Differences Between Coalition and Zurich U.S. Crime Insurance?

Program package and limits

Coalition designs and distributes crime as one of four Executive Risks coverages, sold through appointed brokers. It says limits up to $10 million per coverage line may be available, subject to exclusions and limitations. Zurich offers commercial crime as a standalone policy or package solution for public and private companies; its reviewed page does not state a comparable limit. Buyers should compare the proposed Coalition coverage line limit with Zurich’s actual quote rather than infer equivalent capacity from the product summary. [3] [8]

Carrier and electronic-fraud wording

Coalition says Executive Risks can be placed with Zurich American Insurance Company on an admitted basis or with unaffiliated insurers on a non-admitted basis, so the carrier depends on placement. Zurich describes employee theft, computer fraud and funds-transfer fraud in its commercial crime materials. Ask Coalition to identify the issuing insurer and Zurich to provide the specific transfer definitions, limits and policy form. [4] [8]

What Should You Confirm in Coalition and Zurich U.S. Crime Insurance Quotes?

  • Ask Coalition’s broker to identify admitted or non-admitted placement, per-line limit and exclusions. [4]
  • Ask Zurich whether the policy is standalone or packaged and request the computer and funds-transfer fraud terms. [8]

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 ↗

Zurich U.S.

  • eligibility: Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary.company-reportedSource ↗
  • coverage: Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control.company-reportedSource ↗
  • coverage: Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms.company-reportedSource ↗
  • services: Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant.company-reportedSource ↗

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