CFC vs 
Marsh: How Do They Compare for Crime Insurance?
Marsh's financial and professional liability practice places commercial crime through advisor-led engagement, citing experience with placements of about $10 million to $110 million; CFC includes crime in its US Management Liability package, with a dedicated claims adjuster.
CFC bundles crime with US Management Liability without publishing limits; Marsh describes placements up to $110 million and social-engineering top-ups. 1,2,6,7
What Are the Key Differences Between CFC and Marsh Crime Insurance?
Package Module Versus Specialist Placement
CFC includes crime in its US Management Liability package. Marsh places commercial crime through its financial and professional liability practice and describes experience with complex high-limit programs, plus top-up social-engineering cover. Choose Marsh for a large placement or extra layer; choose CFC if its packaged coverage fits your business. 1 6
Scale of Limits Discussed
Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million, but does not publish standard limits, retentions or premiums for a specific placement. CFC’s brochure does not publish a dollar limit, sublimit or retention for crime; those figures appear only on the quote and declarations. 6 1
Perils, Ransomware and Infill Cover
Marsh lists employee white-collar fraud, third-party fraud, collusion, hacking or computer-related crime, social-engineering fraud and tangible asset theft, and notes that crime policies usually exclude ransomware though most cover direct financial losses from funds stolen by hackers. It also offers infill and top-up social-engineering cover in excess of a client’s existing program. CFC’s brochure lists employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- or off-premises theft, without that ransomware note or infill product. 6 1
Access and Paper
You engage Marsh’s crime specialists (Marsh corporate or MMA) directly; the reviewed pages describe advisor-led placement rather than an online quote tool. CFC provides a US claim-notification route and a dedicated adjuster. Marsh says definitions and extensions differ across insurers and does not name a specific crime insurer; CFC’s regulatory page likewise does not name the issuer for a given US crime policy. 6 5 4
What Should You Confirm in CFC and Marsh Crime Insurance Quotes?
- Ask Marsh whether you are on the corporate crime practice or MMA’s fidelity-bundled executive path, and whether the placement is in the $10–110 million range it cites as experience. 6 7
- Ask CFC whether crime is the management or fintech package, and whether California or public-company status is a decline. 1 3
- Get the issuing insurer from both. 6 4
CFC vs Marsh Crime Insurance Compared
CFC vs Marsh: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Marsh Commercial Crime Insurance Brokerage |
|---|---|---|
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 1Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. 1Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. 3,1Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products. | 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. 6Company-reported. 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. |
| Role in This Line | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. 1,2Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | 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. 6,7Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page. |
