What Are the Key Differences Between Embroker and Gallagher Crime Insurance?
For a large account, Gallagher describes a peer-based method for setting limits; Embroker lists its exclusions but does not publish a standard crime limit. Smaller businesses can ask Embroker about adding crime to an existing BOP or D&O policy. [4] [3]
Standalone Form Versus Two Gallagher Practices
Embroker presents commercial crime as a product you can buy standalone or, for smaller businesses, as an endorsement to a BOP or D&O policy. Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, while the group Executive and Financial Risk practice places the same coverage for larger accounts; Gallagher does not underwrite. [3] [5] [4]
Published Exclusions Versus Limit Methodology
Embroker lists exclusions for income loss, indirect losses, executive or partner collusion with employees, third-party liabilities from crime, and cybercrime involving stolen patents, trade secrets or customer lists. Gallagher’s small-business page describes coverage for fraudulent or dishonest acts including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property, without that exclusion list. For larger accounts Gallagher says it sets crime limits using peer analysis and an exposure index; Embroker says pricing depends on employee count, locations, revenue, office security and financial controls, and that fidelity bonds typically cost 0.5% to 2% of bond value, without publishing standard crime limits. [3] [5] [4]
How You Start a Quote
Embroker’s reviewed crime page sends buyers to a general Get a Quote link. Gallagher’s small-business crime page uses a Connect With An Advisor form collecting company details, business description, other coverage interests, employee count and annual revenue. Neither Gallagher page names an issuer. [3] [5]