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

Marsh places crime through advisors, says its team has handled complex placements of about $10 million to $110 million and offers excess social engineering top-up cover; Gallagher sends small businesses to an advisor form.

Gallagher fits buyers who want small-business placement or peer-based limit analysis for a larger account; Marsh suits large programs seeking social-engineering infill, with experience on placements from about $10 million to $110 million. ^1,^2,³

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

Marsh’s range describes complex placements it has handled, not guaranteed limits, and its infill cover is for buyers with an existing program. Gallagher’s separate large-account practice instead describes a peer-analysis method for sizing limits. ³ ²

Two Gallagher Desks Versus Marsh and MMA

Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients, and its group Executive and Financial Risk practice places the same coverage for larger accounts; Gallagher does not underwrite either policy. Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity in its executive and professional liability work. Neither side’s reviewed pages name the issuing insurer for a given placement. ¹ ² ³ ⁴

How Large Limits Are Discussed

Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million, without publishing standard limits, retentions or premiums for a specific account. For larger Gallagher accounts, limit-setting uses peer analysis from third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants; Gallagher’s reviewed pages do not publish specific crime limits or premium ranges. ³ ²

Perils, Ransomware Notes and Extra Cover

Gallagher describes fidelity and crime as covering fraudulent or dishonest acts, including credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Marsh lists employee white-collar fraud, third-party fraud, collusion, hacking or computer-related crime, social-engineering fraud and tangible-asset theft, and notes that crime policies usually exclude ransomware while often covering funds stolen by hackers. Marsh also offers infill and top-up social-engineering cover in excess of an existing program. ¹ ³

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

Ask Gallagher whether Small Business or Executive and Financial Risk is placing you. ¹ ²
Ask Marsh whether the quote is from Marsh corporate or MMA, and whether the limit sits in the $10–$110 million range it cites for complex work. ³ ⁴
Confirm whether ransomware is excluded and whether social-engineering infill is on the Marsh quote. ³

Gallagher vs Marsh Crime Insurance Compared

Gallagher vs Marsh: Crime Insurance: documented features by provider

Criteria	Gallagher Small Business Fidelity and Crime Insurance	Marsh Commercial Crime Insurance Brokerage
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. ¹Company-reported. Product page inquiry form, inspected without submission.	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	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. ¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.	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	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. ^1,²Company-reported. Small-business crime product page and the group-level executive-risk practice page.	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.
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. ²Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.	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. ³Company-reported. Commercial crime insurance page, Why Marsh section.