Chubb vs 
Marsh: How Do They Compare for Crime Insurance?
Chubb has crime on Chubb Marketplace, targeting organizations under 250 employees and $50 million in revenue; Marsh places commercial crime through advisor-led engagement and cites experience with placements of about $10 million to $110 million.
Chubb ForeFront targets firms below 250 employees and $50 million in revenue; Marsh describes crime placements up to $110 million and offers ransomware guidance and social-engineering top-ups. 1,3,4
What Are the Key Differences Between Chubb and Marsh Crime Insurance?
Placement Scale, Ransomware and Social-Engineering Top-Ups
Marsh says it has handled complex crime placements from about $10 million to $110 million, but does not publish standard limits for a specific placement. It says crime policies usually exclude ransomware, though many cover direct financial losses from funds stolen by hackers, and offers social-engineering infill above an existing program. Chubb Marketplace targets organizations below 250 employees and $50 million in revenue; Chubb lists social-engineering and funds-transfer fraud but does not discuss ransomware. 3 2 1
Digital Bind Versus Advisor-Led Placement
ForeFront, including Crime, is available on Chubb Marketplace. You engage Marsh’s crime specialists directly; the reviewed pages describe advisor-led placement rather than an online quote tool. Chubb names ACE American and affiliates; Marsh does not name a specific crime insurer. 2 1 3
What Should You Confirm in Chubb and Marsh Crime Insurance Quotes?
- Ask Marsh whether the placement is in the $10–110 million range it cites as experience, and whether infill social-engineering cover is quoted. 3
- Ask whether ransomware is excluded on the Marsh-placed form. 3
- Confirm you fit Chubb’s ForeFront size band and get crime limits. 2 1
- Get Marsh’s issuing insurer; Chubb’s sheet names ACE American. 3 1
Chubb vs Marsh Crime Insurance Compared
Chubb vs Marsh: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Marsh Commercial Crime Insurance Brokerage |
|---|---|---|
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 1,2Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | 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. 3,4Company-reported. Commercial crime insurance and MMA executive and professional liability pages. |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. 1Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording. | 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. 3Company-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 | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. 1Company-reported. ForeFront Portfolio Crime Insurance product sheet. | 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. 3,4Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page. |
