Foxquilt vs Marsh: Commercial Crime Insurance

Marsh places crime through advisors and says its team has handled complex placements of about $10 million to $110 million; Foxquilt markets crime as a BOP add-on or standalone policy, highlighting small businesses that handle cash.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-10-01

Marsh’s global and UK commercial-crime page lists employee, third-party, computer-related and social-engineering fraud, with a qualification that descriptions may not reflect a US program. Foxquilt describes money and securities losses involving inside or outside theft, employee dishonesty, fraud and forgery.

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
    Smarter Crime Insurance

    Foxquilt · Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. · accessed 2026-09-29

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Crime Non-Financial Applications and Forms

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

  8. 08
    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

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

Marsh lists employee and third-party fraud, collusion, hacking, social engineering and tangible-asset theft among risks a commercial crime policy can address. Its cited page is global and UK financial-professional-liability practice content; it cautions that coverage descriptions may not reflect a US-specific program. Foxquilt describes inside or outside theft involving money and securities, including employee dishonesty, fraud and forgery. [4] [3]

Loss scenarios

Both descriptions include employee-related dishonesty or fraud. Marsh also names third-party fraud, collusion, computer-related crime, social engineering and tangible-asset theft; Foxquilt’s page gives money-and-securities examples. Ask each placement team to map a specific vendor-payment or employee-funds scenario to policy wording. [4] [3]

Geographic and placement context

Marsh describes its practice as placing commercial crime and discusses complex placements up to $110 million; that is practice experience, not a limit available to a buyer, and the page’s global/UK scope may not reflect a US program. Foxquilt’s product page presents crime as standalone or a BOP add-on. Confirm jurisdiction, insurer, limits and any social-engineering terms in the proposal. [4] [3]

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

  • Ask Marsh which jurisdiction-specific wording and insurer apply; ask Foxquilt for its insurer and issued form. [4] [3]
  • Compare employee, third-party, computer-fraud and social-engineering definitions and limits. [4] [3]

Crime coverage

Foxquilt

  • role: Foxquilt markets Crime Insurance, either as a BOP add-on or as a standalone policy according to its product page. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes money and securities losses from inside or outside theft, including employee dishonesty, fraud and forgery. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page highlights small businesses that handle cash or have employees handling business funds; it does not specify underwriting eligibility. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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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