Gallagher vs Nationwide: Commercial Crime Insurance

Nationwide lists crime among management liability products and sends buyers to an agent, without itemizing its insuring agreements; Gallagher arranges crime with outside carriers through an advisor form for small businesses.

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

Gallagher describes the fraud types its Fidelity and Crime placements address; Nationwide names crime insurance and routes buyers to an agent.

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 and Financial Risk Insurance

    Gallagher · Employee Dishonesty (Crime) and Fidelity Bond insurance section · accessed 2026-09-23

  4. 04
    Crime

    Gallagher Small Business · Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form · accessed 2026-09-23

  5. 05
    Commercial Liability Products | Nationwide

    Nationwide · Crime section; products list within management-liability specialty. · accessed 2026-09-30

  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 Gallagher and Nationwide Crime Insurance?

Coverage Detail

Gallagher describes Fidelity and Crime as covering credit card forgery, computer fraud, funds-transfer fraud, employee fraud and theft or destruction of property [4]. Nationwide's overview does not itemize insuring agreements [5].

Broker Placement Versus Carrier Product

Gallagher arranges crime with outside carriers and does not underwrite, and neither of its reviewed pages names the issuing insurer [4]. Nationwide presents crime as a commercial product from the carrier, with limits left to the policy form [5].

Account Size and Method

For larger accounts Gallagher's Executive and Financial Risk practice sets limits using peer analysis and an exposure index [3]. Nationwide says availability depends on underwriting review [5].

What Should You Confirm in Gallagher and Nationwide Crime Insurance Quotes?

  • Ask Gallagher which carriers and limits would be offered for your size of account.
  • Ask Nationwide whether funds-transfer and computer fraud are included and at what sublimits.
  • Confirm what intake information each route needs, such as revenue and headcount.

Crime coverage

Gallagher

  • role: Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. Small-business crime product page and the group-level executive-risk practice page.company-reportedSource ↗Source ↗
  • coverage: Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.company-reportedSource ↗
  • eligibility: Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.company-reportedSource ↗
  • services: For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. Group-level executive-risk practice page; not confirmed as applied to the small-business product.company-reportedSource ↗
  • application: The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. Product page inquiry form, inspected without submission.company-reportedSource ↗
  • insurer: Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗
  • limits: Neither page publishes specific crime coverage limits or premium ranges. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗

Nationwide

  • role: Nationwide describes offering crime for the audience stated on the cited product page. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Commercial organizations considering management-liability products; page describes product options and underwriting review. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

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