Counterpart vs Marsh: Commercial Crime Insurance

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

Large Placements and Top-Up Capacity

Marsh’s global/UK crime page, read on 2026-09-23, reports experience handling complex placements from about $10 million to $110 million and says it can arrange infill or top-up social-engineering cover above an existing program. These are placement-experience figures, not quoted limits or evidence of current U.S. capacity. Counterpart’s page lists fraud examples but does not state a limit on that page. A buyer with an existing tower should ask Marsh what structure is available for this risk and ask Counterpart’s wholesaler what capacity it can obtain. [4] [3] [6]

Risk Advice and Wholesale Access

Marsh describes providing emerging-risk insights, claim examples, market conditions, and product education through placement and renewal. Counterpart reaches businesses through wholesale brokers and its reviewed crime page focuses on covered-scenario examples. If you need help reviewing an existing program, ask Marsh what work is included in the engagement; with Counterpart, establish what support the wholesaler provides and who will address wording questions. [4] [3] [6]

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

What crime limit and social-engineering excess layers can Marsh place above your current program, and at what attachment points? [6]
What crime capacity, retention, and broker services can Counterpart’s wholesale placement provide? [4]

Marsh’s global/UK page read 2026-09-23 reports experience on complex placements from about $10 million to $110 million and describes social-engineering top-ups; Counterpart lists employee and electronic-fraud examples.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
How can I get insurance through Counterpart?
Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28
04
Commercial Crime Insurance
Counterpart, Inc. · Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session. · accessed 2026-09-28
05
Counterpart | Agentic Insurance™
Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29
06
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
07
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
08
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
09
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
10
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

Counterpart

role: Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. Company-published distribution description; it does not identify the insurer for this crime placement.company-reportedSource ↗Source ↗
coverage: Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions.company-reportedSource ↗
eligibility: Counterpart presents its insurance products and risk-management services for small businesses. The general audience statement is not a crime-specific underwriting rule.company-reportedSource ↗Source ↗
coverage: Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted.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 ↗