CNA vs 
Marsh: How Do They Compare for Crime Insurance?
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
What Is Marsh?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 5,6,7,8
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 11,12,13,14,15
What Are the Key Differences Between CNA and Marsh Crime Insurance?
Offering Structure and Distribution
In Marsh’s global/UK practice content accessed 2026-09-23, it says crime policies usually exclude ransomware while many address direct funds stolen by hackers. That distinction separates a direct financial loss from broader cyber interruption or extortion, but it is not a reading of a proposed form. CNA’s U.S. crime listing does not publish comparable exclusions or event detail, and Marsh’s cited material does not establish U.S. terms. 4 9
Coverage Detail and Buyer Fit
Marsh’s global/UK practice page, accessed 2026-09-23, reports experience handling complex placements in a range of roughly $10 million to $110 million. These historical experience figures are not standard limits, current capacity or evidence of U.S. availability. CNA’s current U.S. page does not publish crime limits; compare the terms and limits on the specific quotes. 4 9
What Should You Confirm in CNA and Marsh Crime Insurance Quotes?
- Ask Marsh what its current U.S. placement can offer and how the quoted form treats ransomware or funds stolen by hackers; ask CNA for matching wording. Marsh’s cited global/UK material is not proof of U.S. availability. 9 4
- Compare direct financial loss, interruption, social-engineering sublimits and retentions for the same scenario. 4 9
CNA and Marsh Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsMarsh Review Score
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh reviewsCNA vs Marsh Crime Insurance Compared
CNA vs Marsh: Crime Insurance: documented features by provider
| Criteria | CNA Management Liability Crime Coverage | Marsh Commercial Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. 4Company-reported. The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone. | 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. 9,10Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name a specific crime insurer. Marsh says definitions and extensions for crime coverage differ across insurers and that it works to secure coverage aligned with a client's risks, implying the carrier varies by placement. 9Not publicly disclosed. Commercial crime insurance page as read on 2026-09-23. |
| Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. 4Company-reported. This is broad segment context, not a crime-specific acceptance rule. | Confirm in your quote. |
| Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. 4Company-reported. The product page establishes a marketed option, not that all component lines must be purchased together. | 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. 9Company-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. |
| Limits and Retentions | Confirm in your quote. | Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million (also stated in GBP as £10 million to £100 million elsewhere on the page), but does not publish standard limits, retentions or premiums for a specific placement. 9Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer. |
| Risk Services | Confirm in your quote. | Marsh says it provides insights on emerging crime risks, claim examples, market conditions and product education throughout renewal and placement, and offers infill and top-up social engineering cover in excess of a client's existing program. 9Company-reported. Commercial crime insurance page, Why Marsh section. |
| How to Apply | CNA directs agents seeking an application to its Agent Center. 4Company-reported. The page does not state that a business can apply directly or identify all documents required for crime coverage. | 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. 9,10Company-reported. Commercial crime insurance and MMA executive and professional liability pages. |
Related Pages for CNA vs Marsh Crime Insurance
Crime Insurance Pages for CNA and Marsh
Other Coverage Lines Compared for CNA vs Marsh
Other Crime Insurance Provider Comparisons
Sources for CNA vs Marsh Crime Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Management Liability Insurance and Professional Liability. CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30. Accessed 2026-09-30.
Sources About Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Commercial crime insurance. Marsh; Opening positioning; The crime risks businesses cannot ignore; What does commercial crime insurance cover? (employee white-collar fraud, third-party fraud, collusion, hacking, social engineering fraud, tangible asset theft); Why Marsh: complex crime placements up to $110 million. Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
