What Are the Key Differences Between Embroker and Marsh McLennan Agency Crime Insurance?
What the Offering Describes
Embroker sells commercial crime as a standalone policy and lists employee theft, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering. Marsh McLennan Agency identifies commercial crime and fidelity as a placement line but does not list covered events. If you handle customer funds or digital transactions, ask Marsh McLennan Agency to address each exposure in its quote. [3] [4]
Limits, Eligibility and Handling
Embroker says its crime policy excludes loss of income, indirect losses, coordinated executive and employee crimes, third-party liability and certain cyber theft of intellectual property or customer lists. Marsh McLennan Agency does not publish equivalent exclusions in its overview. Those boundaries matter when a fraud loss causes a shutdown or exposes customer data, so compare the actual crime and cyber forms together. [3] [4]
Starting a Crime Placement
Embroker says pricing depends on employee count, locations, revenue, security and financial controls, but does not publish standard limits. Marsh McLennan Agency also leaves terms to placement. Provide both with the same employee and control details and compare written limits, retentions and exclusions rather than inferring price from a generic page. [3] [4]