What Are the Key Differences Between Embroker and Marsh Crime Insurance?
Marsh’s $10 million to $110 million figures describe placements it has handled, not a limit promise; it also describes social-engineering top-ups. Embroker does not publish standard limits and prices based on business characteristics and controls. [4] [3]
How Crime Is Sold
Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add it as an endorsement to a BOP or D&O policy. Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. [3] [4] [5]
Limits Each Discusses
Marsh says its team has handled complex crime placements from about $10 million to $110 million, a description of placement experience rather than a quoted limit. Embroker says crime pricing depends on employee count, locations, revenue, office security and financial controls, and that it does not publish standard policy limits. [4] [3]
How You Engage
Embroker’s reviewed crime page directs buyers to a general Get a Quote link. You engage Marsh’s crime specialists (Marsh corporate or MMA) directly; the reviewed pages describe advisor-led placement rather than an online quote tool. [3] [4] [5]
What Should You Confirm in Embroker and Marsh Crime Insurance Quotes?
- Ask Marsh whether the quote is Marsh corporate or MMA and what limit is being sought. [4] [5]
- Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. [3]
- Confirm whether ransomware is excluded on Marsh’s placed form. [4]
- Compare Embroker’s income-loss exclusion with Marsh’s issued wording. [3] [4]