Embroker vs Marsh: How Do They Compare for Crime Insurance?

Marsh places crime coverage through specialist advisors and says its team has handled complex placements of about $10 million to $110 million; Embroker sells a standalone crime policy and explains how fidelity bonds differ.

Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on; Marsh suits buyers building large programs or adding social-engineering cover above existing limits, with described placements up to $110 million. ^1,²

What Are the Key Differences Between Embroker and Marsh Crime Insurance?

Marsh’s $10 million to $110 million figures describe placements it has handled, not a limit promise; it also describes social-engineering top-ups. Embroker does not publish standard limits and prices based on business characteristics and controls. ² ¹

How Crime Is Sold

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add it as an endorsement to a BOP or D&O policy. Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. ¹ ² ³

Limits Each Discusses

Marsh says its team has handled complex crime placements from about $10 million to $110 million, a description of placement experience rather than a quoted limit. Embroker says crime pricing depends on employee count, locations, revenue, office security and financial controls, and that it does not publish standard policy limits. ² ¹

How You Engage

Embroker’s reviewed crime page directs buyers to a general Get a Quote link. You engage Marsh’s crime specialists (Marsh corporate or MMA) directly; the reviewed pages describe advisor-led placement rather than an online quote tool. ¹ ² ³

What Should You Confirm in Embroker and Marsh Crime Insurance Quotes?

Ask Marsh whether the quote is Marsh corporate or MMA and what limit is being sought. ² ³
Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. ¹
Confirm whether ransomware is excluded on Marsh’s placed form. ²
Compare Embroker’s income-loss exclusion with Marsh’s issued wording. ¹ ²

Embroker vs Marsh Crime Insurance Compared

Embroker vs Marsh: Crime Insurance: documented features by provider

Criteria	Embroker Commercial Crime Insurance	Marsh Commercial Crime Insurance Brokerage
Limits and Retentions	Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. ¹Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.	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. ²Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.
Coverage Features	Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section. Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.	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. ²Company-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	Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ^2,³Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.

Criteria

Embroker Commercial Crime Insurance

Marsh Commercial Crime Insurance Brokerage

Limits and Retentions

Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. ¹Company-reported. Product-page 'What does Commercial Crime insurance cost?' section.

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. ²Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.

Coverage Features

Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. ¹Company-reported. Product-page What's not included section.

Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. ¹Company-reported. Product-page FAQ comparing fidelity bonds and commercial crime insurance.

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. ²Company-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

Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

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. ^2,³Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.