Coalition vs Marsh: Commercial Crime Insurance

Marsh says its team has handled complex crime placements of about $10 million to $110 million, with advisor-led engagement rather than an online quote; Coalition crime is sold only through appointed brokers to private and nonprofit organizations with up to 1,000 employees.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-29

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

$10 Million Line Limit Versus Larger Placements and Top-Ups

Coalition may offer up to $10 million per line to eligible private and nonprofit buyers. Marsh describes complex placements from about $10 million to $110 million and offers social-engineering infill above existing programs; it says crime policies usually exclude ransomware, though many cover direct losses from funds stolen by hackers. Coalition describes theft, fraud and certain cybercrime, subject to exclusions, without that ransomware or top-up language. Choose Marsh if you need a complex placement above Coalition’s published per-line maximum or a social-engineering top-up; choose Coalition if you are an eligible private or nonprofit buyer seeking its suite. [3] [5] [5] [3]

Who Places It

Coalition sells Executive Risks crime only through appointed brokers. You engage Marsh corporate crime specialists or Marsh McLennan Agency; MMA also places crime bundled with fidelity in its executive and professional liability practice. [3] [5] [6]

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

  • If you need limits above Coalition’s $10 million per-line figure, ask Marsh whether a placement in its $10–110 million experience range is available. [3] [5]
  • Ask Marsh whether the crime page’s UK/global figures apply to a U.S. placement. [5]
  • Confirm ransomware treatment and whether Marsh infill social-engineering cover is on the quote; Coalition’s public page does not address those points. [5] [3]
  • Get Marsh’s issuing insurer and Coalition’s Zurich versus surplus route. [5] [4]

Coalition offers up to $10 million per line to eligible private and nonprofit buyers; Marsh describes complex crime placements up to $110 million and social-engineering top-ups.

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 Risks

    Coalition · Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? · accessed 2026-09-23

  4. 04
    U.S. Disclaimers

    Coalition · Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535) · accessed 2026-09-23

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    Crime Non-Financial Applications and Forms

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

  9. 09
    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

Crime coverage

Coalition

  • role: Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.company-reportedSource ↗
  • eligibility: Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Executive Risks FAQ as read on 2026-09-23.company-reportedSource ↗
  • limits: Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.company-reportedSource ↗
  • insurer: Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. U.S. Disclaimers page as read on 2026-09-23.company-reportedSource ↗
  • application: Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗

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 ↗

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