--- title: "Gallagher vs Marsh: Crime Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-marsh/crime" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-marsh" provider-a: "gallagher" provider-b: "marsh" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-marsh/crime) ## Agent Guide **What this page is:** Focused comparison of Gallagher 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 Gallagher versus Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs Marsh for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Gallagher or Marsh? - What does Gallagher or Marsh publish about Crime Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Crime Insurance. Providers: Gallagher 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:** - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh) — all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile # 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 offers small-business and large-account crime teams with peer-based limit analysis; Marsh describes placements up to $110 million and social-engineering cover above existing limits. ## Gallagher vs Marsh Crime Insurance Summary 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [4](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") ### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ## 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [4](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") - Confirm whether ransomware is excluded and whether social-engineering infill is on the Marsh quote. [3](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") ## Gallagher vs Marsh Crime Insurance Compared | 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [4](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [3](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 | 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [4](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..) | | 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. [2](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [3](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, Why Marsh section..) | ## About Gallagher and Marsh and Crime Insurance - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs Marsh Crime Insurance - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-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. - [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime) - [Marsh Crime Insurance](https://spot.insure/insurance-providers/marsh/crime) ## Sources for Gallagher vs Marsh Crime Insurance ### Sources About Gallagher 1. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23. 2. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23. ### Sources About Marsh 3. [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. 4. [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/gallagher-vs-marsh/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)