What Are the Key Differences Between Liberty Mutual and Marsh McLennan Agency Crime Insurance?
Itemized Exposures or Product Listing
Liberty Mutual’s ProShield page names employee dishonesty, embezzlement, safe burglary, and computer fraud among its crime exposures. Marsh McLennan Agency lists commercial crime and fidelity as a named executive and professional liability product, but its reviewed overview does not specify insured events or terms. If you need to evaluate a particular fraud scenario, Liberty Mutual’s list gives examples to check; ask MMA for the actual crime wording and covered-loss schedule. [3] [4]
How the Line Fits the Placement
Liberty Mutual packages crime with other ProShield management-liability coverages. MMA describes crime as part of its executive and professional liability offering and invites organizations to speak with an adviser or specialist. Buyers can compare a bundled policy against a broker-arranged proposal by checking how crime limits relate to the other lines and which carrier issues the MMA placement. [3] [4] [4]
Audience and Policy Terms
Liberty Mutual scopes ProShield to private and not-for-profit organizations, while MMA’s overview speaks to organizations seeking executive and professional liability solutions without publishing a universal eligibility rule. Neither public overview sets an applicant-specific crime limit or retention. Your entity type and requested limit therefore need review in the quote. [3] [4] [4]
What Should You Confirm in Liberty Mutual and Marsh McLennan Agency Crime Insurance Quotes?
- Ask MMA for the proposed policy form and a schedule naming employee theft, computer fraud, vendor fraud, and other covered events. [4]
- Ask Liberty Mutual for ProShield’s crime limit, deductible, exclusions, and any sublimits tied to the listed exposures. [3]
- Ask MMA which insurer will issue the placement and whether the crime aggregate is shared with other executive-risk coverages. [4] [3]