---
title: "Liberty Mutual vs Marsh: Crime Insurance"
description: "Liberty Mutual places crime in its ProShield management-liability package, while Marsh brokers commercial crime placements and offers excess social-engineering cover."
canonical: "https://spot.insure/compare/liberty-mutual-vs-marsh/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-marsh"
provider-a: "liberty-mutual"
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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/liberty-mutual-vs-marsh/crime)

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual versus Marsh. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Liberty Mutual vs Marsh for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Liberty Mutual or Marsh?
- What does Liberty Mutual or Marsh publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Liberty Mutual or Marsh?

**Key facts:**
- Line: Crime Insurance. Providers: Liberty Mutual and Marsh.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Liberty Mutual vs Marsh](https://spot.insure/compare/liberty-mutual-vs-marsh) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [Liberty Mutual vs Marsh Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh Crime Insurance](https://spot.insure/compare/aig-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh Crime Insurance](https://spot.insure/compare/aon-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Marsh: How Do They Compare for Crime Insurance?

Liberty Mutual places crime in its ProShield management-liability package, while Marsh brokers commercial crime placements and offers excess social-engineering cover.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Marsh for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Liberty Mutual lists crime alongside other ProShield management-liability coverages for private and nonprofit organizations. Marsh brokers crime insurance across employee, third-party, computer, and social-engineering fraud risks, and describes infill and top-up social-engineering cover above an existing program. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## 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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Marsh?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [4](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [5](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [6](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [7](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [12](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [13](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [14](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### Combined Package or Placement Across Carriers

Liberty Mutual includes crime in ProShield, a package policy that combines several management-liability coverages. Marsh’s financial and professional liability practice places commercial crime with insurers whose definitions and extensions differ by carrier. A buyer seeking a bundled management-liability policy can compare ProShield’s structure with Marsh’s proposed form and insurer, rather than treating the two descriptions as identical products. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

### Social-Engineering Limits and Higher Layers

Marsh says it can arrange infill or top-up social-engineering coverage above an existing program, which may matter when a company’s primary crime limit is already committed. Liberty Mutual’s overview lists computer fraud among ProShield’s crime examples but does not describe a social-engineering extension. Ask how each quote defines fraudulent instructions and whether the additional Marsh layer attaches above your existing retention and limit. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Published Placement Scale

Marsh reports experience with complex placements around $10 million to $110 million, but does not publish a standard limit for an individual buyer. Liberty Mutual likewise leaves specific ProShield limits and deductibles to policy terms. The reported Marsh range signals experience with larger placements; it is not a promise that a particular company will qualify for that amount. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What to Confirm in Crime Insurance Quotes

- Ask Marsh for the issuing insurer, primary limit, retention, and exact attachment point and wording for any social-engineering top-up. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Ask Liberty Mutual for ProShield’s crime limit, deductible, and any separate sublimit for computer fraud or fraudulent transfers. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")
- Compare the carriers’ definitions of employee dishonesty and third-party fraud before assuming the package and brokered forms respond the same way. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Offering Details

| Criteria | Liberty Mutual ProShield Crime coverage | Marsh Commercial Crime Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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..) | 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. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](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..) |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name a specific crime insurer. Marsh says definitions and extensions for crime coverage differ across insurers and that it works to secure coverage aligned with a client's risks, implying the carrier varies by placement. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") (Evidence: Not publicly disclosed; scope: Commercial crime insurance page as read on 2026-09-23..) |
| Who It’s For | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. |
| 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. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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..) | 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. [8](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..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | 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. [8](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..) |
| 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. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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..) | 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. [8](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..) |
| How to Apply | Confirm in your quote. | 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. [8](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [9](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..) |

## Full Comparison

- [Liberty Mutual vs Marsh](https://spot.insure/compare/liberty-mutual-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.
- [Liberty Mutual vs Marsh Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/cyber)
- [Liberty Mutual vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/equipment-breakdown)
- [Liberty Mutual vs Marsh Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/fidelity-bonds)
- [Liberty Mutual vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/fiduciary)
- [Liberty Mutual vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/kidnap-ransom)
- [Liberty Mutual vs Marsh Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/surety-bonds)
- [Liberty Mutual vs Marsh Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/technology-errors-omissions)
- [Liberty Mutual vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/workers-compensation)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [AIG vs Marsh Crime Insurance](https://spot.insure/compare/aig-vs-marsh/crime)
- [Alliance Risk vs Marsh Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/crime)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)
- [Aon vs Marsh Crime Insurance](https://spot.insure/compare/aon-vs-marsh/crime)
- [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime)

## Sources

### Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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.
3. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/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.

### Marsh

4. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
5. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
6. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
7. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
8. [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.
9. [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.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
11. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
12. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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.
13. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
14. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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.

Updated 2026-09-30. 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.

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Marsh Reviews

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/marsh/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-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)