Aon vs Marsh: Commercial Crime Insurance

Marsh's financial and professional liability practice places crime and says it has handled complex placements of about $10 million to $110 million; Aon helps arrange or advise on crime for law, accounting and consulting firms.

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

Crime coverage

Aon

  • role: Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
  • eligibility: Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
  • coverage: Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
  • services: Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
  • insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
  • limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

Marsh

  • role: Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. Marsh corporate commercial crime page and MMA executive and professional liability page.company-reportedSource ↗Source ↗
  • coverage: Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program.company-reportedSource ↗
  • limits: Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million (also stated in GBP as £10 million to £100 million elsewhere on the page), but does not publish standard limits, retentions or premiums for a specific placement. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.company-reportedSource ↗
  • insurer: The reviewed pages do not name a specific crime insurer. Marsh says definitions and extensions for crime coverage differ across insurers and that it works to secure coverage aligned with a client's risks, implying the carrier varies by placement. Commercial crime insurance page as read on 2026-09-23.not-disclosedSource ↗
  • services: Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement, and offers infill and top-up social engineering cover in excess of a client's existing program. Commercial crime insurance page, Why Marsh section.company-reportedSource ↗
  • application: You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. Commercial crime insurance and MMA executive and professional liability pages.company-reportedSource ↗Source ↗

What Are the Key Differences Between Aon and Marsh Crime Insurance?

Crime exposures and placement scope

Aon lists Crime among the coverages its Professional Services Practice helps arrange or advise on. Marsh names employee fraud, third-party fraud, collusion, hacking, social engineering and tangible-asset theft, while noting ransomware is usually excluded even though direct stolen funds may be addressed. Marsh reports experience with complex placements around $10 million to $110 million; that range describes placement experience, not a published standard limit for your account. [1] [4]

Advisory process and top-up options

Aon describes professional-services risk advice using industry insight, data and tools. Marsh says its crime team provides market and risk education through placement and renewal and can arrange infill or top-up social-engineering cover above an existing program. Buyers with a current crime tower can ask Marsh about that specific excess layer; Aon’s reviewed source describes broader advisory decisions. [1] [4]

What Should You Confirm in Aon and Marsh Crime Insurance Quotes?

  • Ask Marsh how ransomware, social-engineering and direct funds theft are treated in the proposed wording, and whether an excess layer attaches as expected. [1] [4]
  • Ask Aon for its proposed crime terms; ask either broker to name insurer, total limit, attachment point, retention and renewal service. [1] [4]

Aon names law, accounting and consulting firms as its practice audience. Marsh describes crime policies addressing employee and third-party fraud, hacking, social engineering and tangible-asset theft, and says its specialists handle placements ranging from about $10 million to $110 million.

Sources consulted

  1. 01
    Professional Services Practice

    Aon · Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  3. 03
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  4. 04
    Commercial crime insurance

    Marsh · Opening positioning; The crime risks businesses cannot ignore; What does commercial crime insurance cover? (employee white-collar fraud, third-party fraud, collusion, hacking, social engineering fraud, tangible asset theft); Why Marsh: complex crime placements up to $110 million · accessed 2026-09-23

  5. 05
    Expert Executive and Professional Liability Insurance

    Marsh McLennan Agency · Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom · accessed 2026-09-23

  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

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