CFC vs Marsh Mclennan Agency: Commercial Crime Insurance

Marsh McLennan Agency describes arranging crime through a dedicated executive and professional liability practice and invites organizations to contact an adviser; CFC includes company and client crime in its US Management Liability package.

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

CFC includes company, client and theft crime in its management-liability package; Marsh McLennan Agency lists crime as a placement line without specifying insured events.

What Are the Key Differences Between CFC and Marsh McLennan Agency Crime Insurance?

What the Record Specifies

CFC places crime inside its US Management Liability package rather than offering it as standalone within that package. Its brochure describes employee theft, funds-transfer and card or currency fraud, plus client crime and on- and off-premises theft. Marsh McLennan Agency names commercial crime and fidelity but does not say whether it is bundled. Ask whether the crime limit is shared with other management-liability sections. [5] [8]

Terms, Fit and Service

CFC’s brochure declines California-domiciled businesses and US publicly traded companies for the package that includes this crime cover. Marsh McLennan Agency describes a broader executive and professional liability audience without publishing these eligibility boundaries. If either restriction applies to your organization, confirm eligibility before comparing terms. [5] [8]

How You Start the Placement

CFC provides phone, email and online claim-notification routes and says a dedicated adjuster manages claims from notice through resolution. Marsh McLennan Agency’s overview does not describe claims handling. Ask the Marsh McLennan Agency adviser who receives a crime claim and whether the insurer assigns a dedicated adjuster. [5] [8]

What Should You Confirm in CFC and Marsh McLennan Agency Crime Insurance Quotes?

  • Ask CFC to confirm package eligibility and whether crime limits are shared across sections; confirm separately which crime wording applies to its fintech offer. Ask Marsh McLennan Agency for the covered-event schedule and claims contact. [5] [8]

Crime coverage

CFC

  • role: CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. Management-liability product page and brochure; package composition as CFC describes it.company-reportedSource ↗Source ↗
  • eligibility: CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. Brochure's 'What we decline' list; underwriting still applies to any individual business.company-reportedSource ↗
  • coverage: CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits.company-reportedSource ↗
  • coverage: The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. Brochure's 'Crime cover' description.company-reportedSource ↗
  • coverage: CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products.company-reportedSource ↗Source ↗
  • limits: The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. Brochure as read on 2026-09-23.not-disclosedSource ↗
  • insurer: CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. Regulatory information page and brochure as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • claims: CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing.company-reportedSource ↗

Marsh McLennan Agency

  • role: Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. crime marketed by marsh-mclennan-agency; 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: Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. crime marketed by marsh-mclennan-agency; 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 commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by marsh-mclennan-agency; 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 invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by marsh-mclennan-agency; 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 ↗

Sources consulted

  1. 01
    Commercial Insurance Guide

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

  2. 02
    Claims

    CFC · Notify a claim or cyber incident; We're in it with you · accessed 2026-09-23

  3. 03
    Fintech insurance

    CFC · What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud · accessed 2026-09-23

  4. 04
    Management liability

    CFC · Our management liability products: Management liability, Side A DIC · accessed 2026-09-23

  5. 05
    Management liability — United States product brochure

    CFC · Crime cover; At a glance: What we like; What we decline; What else is in the policy? · accessed 2026-09-23

  6. 06
    Regulatory information

    CFC · CFC Underwriting Limited; CFC Lloyd's Syndicate 1988 · accessed 2026-09-23

  7. 07
    Social Engineering Fraud Insurance

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

  8. 08
    Executive and Professional Liability | MMA

    Marsh McLennan Agency · Policy suite lists commercial crime/fidelity among executive and professional liability offerings. · accessed 2026-09-30

  9. 09
    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

  10. 10
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  11. 11
    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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