What Are the Key Differences Between Marsh McLennan Agency and USI Insurance Services Crime Insurance?
Coverage and Audience
USI brokers crime for employee theft and related fraud either as a standalone placement or through its ExecuSafe management-liability review. Marsh McLennan Agency names commercial crime and fidelity as a product but does not say whether it can be placed alone or inside a package. Buyers should ask whether a standalone policy fits their existing directors and officers or management-liability program. [3] [7]
Terms and Buyer Support
USI’s Business Services practice names building maintenance, repair, janitorial, staffing and printing firms, and says its ExecuSafe process checks existing crime coverage for gaps. Marsh McLennan Agency describes organizations seeking executive-risk solutions without a sector list or coverage review process. A business-services buyer can ask Marsh McLennan Agency to perform a comparable exposure and policy review. [3] [7]
Placement and Claims Process
USI directs business-services inquiries to one email and ExecuSafe inquiries to another; Marsh McLennan Agency asks prospects to contact an adviser or specialist. Neither summary publishes crime limits. Request covered agreements, insurer, claim advocacy and deductible terms in the quote. [3] [7]