Liberty Mutual vs 
Markel Insurance: How Do They Compare for Crime Insurance?
Liberty Mutual describes crime as part of ProShield for private and nonprofit organizations, with examples including employee dishonesty and computer fraud. Markel's reviewed material describes eCrime within Cyber 360 for unauthorized transfers and fake payment instructions, not a standalone crime policy. 3,6
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 4,5
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. 7,8,9,10,11
Key Differences in Crime Insurance
Crime Package or Cyber Policy Feature
Liberty Mutual lists crime as a ProShield management-liability coverage for private and not-for-profit organizations. Markel’s reviewed page places eCrime within Cyber 360’s fraud and unauthorized-use section and does not establish a standalone commercial crime policy. Buyers comparing the two should first decide whether they need a broader crime placement or are evaluating a cyber policy’s treatment of digital fraud. 3 6
Examples of Covered Losses
Liberty Mutual names employee dishonesty, embezzlement, safe burglary, and computer fraud among ProShield’s crime examples. Markel specifically describes possible expenses from unauthorized money transfers and fake payment instructions under Cyber 360 eCrime, subject to policy terms. That makes the exact trigger important: ask whether a loss caused by a fraudulent instruction or an employee’s theft falls under the intended policy and what documentation it requires. 3 6
Scope of the Published Descriptions
Liberty Mutual describes a package intended for private and nonprofit organizations but says the overview does not determine any particular buyer’s eligibility. Markel’s claim is scoped to Cyber 360 policyholders, with exact availability and terms left to the quote. Neither summary alone establishes the limit available to your organization. 3 6
What to Confirm in Crime Insurance Quotes
- Ask Markel whether its Cyber 360 eCrime feature covers your specific loss scenario and whether it requires a cyber event or other defined trigger. 6
- Ask Liberty Mutual for the ProShield form, crime limit, deductible, and whether crime can be quoted apart from its package. 3
- Compare who issues each proposed policy and whether employee dishonesty, safe burglary, and fraudulent transfers are treated as separate insuring agreements. 3 6
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.
Liberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
Liberty Mutual vs Markel Insurance: Crime Insurance: documented features by provider
| Criteria | Liberty Mutual ProShield Crime coverage | Markel Cyber 360 eCrime coverage |
|---|---|---|
| Role in This Line | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Markel lists eCrime within the fraud and unauthorized-use section of Cyber 360; the reviewed source does not establish a standalone commercial crime policy from this page. 6Company-reported. Cyber policy component only; not a fidelity bond. |
| Who It’s For | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Markel describes these resources and coverages for Cyber 360 policyholders; the exact availability and terms require the quoted policy. 6Company-reported. Policyholder-specific access and policy wording apply. |
| Coverage Features | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | The page says eCrime may cover expenses from fraudulent activity such as unauthorized money transfers and fake payment instructions, subject to policy terms. 6Company-reported. Cyber 360 marketing description; does not establish a general crime-form grant. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Confirm in your quote. |
| Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
Full Comparison
More Liberty Mutual vs Markel Insurance Comparisons
Other Crime Insurance Comparisons
Sources
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Cyber Insurance Coverage. Markel; Cyber 360 coverage options: media liability; technology professional liability; eCrime; coverages listed within the cyber policy. Accessed 2026-09-29.
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.
