What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 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. 10,11,12,13,14
Key Differences in Crime Insurance
What the Offering Describes
Gallagher describes fidelity and crime protection for credit-card forgery, computer and funds-transfer fraud, employee fraud, theft and property destruction. Marsh McLennan Agency lists commercial crime and fidelity but does not enumerate covered events. A buyer should compare the specific agreements, particularly whether computer fraud and physical property destruction are included in the proposed Marsh McLennan Agency form. 6 9
Limits, Eligibility and Handling
Gallagher’s small-business team routes buyers through an adviser form, while its larger-account practice says it uses peer analysis and an exposure index to set limits. Marsh McLennan Agency invites an adviser discussion but its overview does not explain a limit-setting method. Ask which Gallagher segment would handle your account and what exposure analysis Marsh McLennan Agency will provide. 6 9
Starting a Crime Placement
Gallagher places with outside carriers and does not underwrite the policy; Marsh McLennan Agency also arranges placement. Neither overview identifies the issuer for a buyer-specific quote. Confirm the carrier, policy limit, employee coverage and claim reporting contact in both proposals. 6 9
What to Confirm in Crime Insurance Quotes
Review Scores
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.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsMarsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsOffering Details
Gallagher vs Marsh McLennan Agency: Crime Insurance: documented features by provider
| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Marsh McLennan Agency crime (official overview) |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. 6,3Company-reported. Small-business crime product page and the group-level executive-risk practice page. | Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. 9Company-reported. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. 6Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting. | Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. 9Company-reported. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. 6Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions. | The cited product page describes commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. 6,3Not publicly disclosed. Checked both pages on 2026-09-23. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. 3Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product. | Confirm in your quote. |
| How to Apply | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. 6Company-reported. Product page inquiry form, inspected without submission. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Gallagher vs Marsh McLennan Agency Comparisons
Other Crime Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Crime. Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Policy suite lists commercial crime/fidelity among executive and professional liability offerings. Accessed 2026-09-30.
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.
