---
title: "Embroker vs Marsh: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-marsh/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-marsh"
provider-a: "embroker"
provider-b: "marsh"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-marsh/crime)

## Agent Guide

**What this page is:** Focused comparison of Embroker and Marsh for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Embroker versus Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs Marsh for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Embroker or Marsh?
- What does Embroker or Marsh publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Embroker and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 offers standalone crime or a BOP/D&O add-on with named exclusions; Marsh describes complex placements up to $110 million and social-engineering cover above existing limits.

## Embroker vs Marsh Crime Insurance Summary

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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Confirm whether ransomware is excluded on Marsh’s placed form. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Compare Embroker’s income-loss exclusion with Marsh’s issued wording. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## Embroker vs Marsh Crime Insurance Compared

| 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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh corporate commercial crime page and MMA executive and professional liability page..) |

## About Embroker and Marsh and Crime Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Embroker vs Marsh Crime Insurance

- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime)
- [Marsh Crime Insurance](https://spot.insure/insurance-providers/marsh/crime)

## Sources for Embroker vs Marsh Crime Insurance

### Sources About Embroker

1. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. Accessed 2026-09-23.

### Sources About Marsh

2. [Commercial crime insurance](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html). 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.
3. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). 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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-marsh/crime.md)
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