What Are the Key Differences Between Marsh and USI Insurance Services Crime Insurance?
If your business-services company already carries management liability, USI describes reviewing existing crime terms for gaps through ExecuSafe. Marsh instead details complex placement experience and excess social-engineering protection. [9] [3]
Marsh Crime Specialists Versus USI Business Services
Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. You engage Marsh’s crime specialists directly. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither side’s reviewed pages name the insurer. [3] [4] [8] [9]
Complex Perils Versus Named Trades
Marsh lists white-collar fraud, third-party fraud, collusion, hacking, social-engineering fraud and tangible-asset theft, notes ransomware is usually excluded, and offers infill social-engineering cover. Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million. USI’s Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct. ExecuSafe checks existing crime coverage for gaps. [3] [8] [9]
Market Education Versus Email Intake
Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement. USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and directs inquiries to a published email or a local office, with ExecuSafe inquiries to a separate Select Business email. Neither page publishes standard crime limits for a specific account. [3] [8] [9]
What Should You Confirm in Marsh and USI Insurance Services Crime Insurance Quotes?
- Ask Marsh whether the quote is Marsh corporate or MMA and whether social-engineering infill is included. [3] [4]
- Ask USI whether crime is standalone or part of ExecuSafe, and which inbox will handle you. [8] [9]
- Confirm whether ransomware is excluded on the Marsh-placed form. [3]
- Get the writing company and limits from both. [3] [8]