What Are the Key Differences Between Gallagher and USI Insurance Services Crime Insurance?
If your current management-liability program may have gaps, USI describes an ExecuSafe review of existing crime coverage. Gallagher instead describes a limit-setting approach for larger accounts and uses an advisor form for small-business inquiries. [9] [3] [4]
Gallagher Desks Versus USI Business Services and ExecuSafe
Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients, and its Executive and Financial Risk practice places larger accounts; Gallagher does not underwrite either policy. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither Gallagher page nor USI’s reviewed pages name the insurer. [4] [3] [8] [9]
Trades Named Versus Small-Business Perils
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 among the exposures it addresses. Gallagher recommends fidelity and crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property, and describes those perils plus credit-card forgery and theft. [8] [4]
Gap Checks, Risk Control and Intake
USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and ExecuSafe specifically checks existing crime coverage for gaps. For larger Gallagher accounts, limit-setting uses peer analysis and a Surety Association exposure index; neither Gallagher page publishes crime limits, and USI’s pages likewise do not. Gallagher routes small-business crime buyers to a Connect With An Advisor form; USI directs business-services inquiries to a published email or local office, and ExecuSafe inquiries to a separate Select Business email. [8] [9] [3] [4]
What Should You Confirm in Gallagher and USI Insurance Services Crime Insurance Quotes?
- Ask USI whether crime is a standalone placement or part of an ExecuSafe review, and which inbox or office will handle you. [8] [9]
- If you are in janitorial, staffing or similar trades USI names, confirm those classification and exposure reviews apply to the crime quote. [8]
- Get the writing company and limits from both. [8] [4]