---
title: "Lockton vs Marsh: Crime Insurance"
description: "Lockton suits buyers who want a named crime claims team or need to assess a financial-institution bond; Marsh suits larger programs seeking social-engineering top-ups and complex placements described up to $110 million."
canonical: "https://spot.insure/compare/lockton-vs-marsh/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-marsh"
provider-a: "lockton"
provider-b: "marsh"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-marsh/crime)

## Agent Guide

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

**Questions this page answers:**
- Lockton vs Marsh for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Lockton or Marsh?
- What does Lockton or Marsh publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Lockton 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:**
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

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

Small businesses are called out by Lockton as especially exposed; it brokers crime with a claims team inside its broking team, while Marsh places complex crime programs of about $10 million to $110 million and offers top-up social engineering cover.

Lockton names a dedicated crime claims team and flags financial-institution bonds; Marsh describes complex placements up to $110 million and social-engineering top-ups.

## Lockton vs Marsh Crime Insurance Summary

Lockton suits buyers who want a named crime claims team or need to assess a financial-institution bond; Marsh suits larger programs seeking social-engineering top-ups and complex placements described up to $110 million. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## What Are the Key Differences Between Lockton and Marsh Crime Insurance?

Marsh’s placement range describes complex programs it has handled, not a quoted limit; its infill option adds social-engineering protection above an existing program. Lockton names claims support and calls out a separate bond need for financial institutions. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Two Large-Broker Crime Practices

Lockton places Crime and Fidelity to protect businesses against losses from theft, fraud, forgery and embezzlement by employees or third parties and describes this as a brokered program, not a policy Lockton underwrites. Marsh’s financial and professional liability practice places commercial crime, and Marsh McLennan Agency also places crime bundled with fidelity. You engage Marsh’s crime specialists directly. Neither reviewed page names the issuing insurers. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### Crime Services Each Broker Describes

Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

### Perils, FI Bonds and Ransomware

Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud, and notes financial institutions are frequently required to carry a financial institution bond distinct from general crime coverage. 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 though most cover funds stolen by hackers. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")

## What Should You Confirm in Lockton and Marsh Crime Insurance Quotes?

- Ask Marsh whether the quote is Marsh corporate or MMA and whether the limit sits in the $10–$110 million range it cites. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")
- Confirm whether ransomware is excluded and whether Marsh social-engineering infill is included. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## Lockton vs Marsh Crime Insurance Compared

| Criteria | Lockton Crime and Fidelity Insurance Brokerage | Marsh Commercial Crime Insurance Brokerage |
| --- | --- | --- |
| Coverage Features | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) | 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. [2](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 | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) | 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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/commercial-crime-insurance.html "Commercial crime insurance") [3](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..) |

## About Lockton and Marsh and Crime Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/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 Lockton vs Marsh Crime Insurance

- [Lockton vs Marsh](https://spot.insure/compare/lockton-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.
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)
- [Marsh Crime Insurance](https://spot.insure/insurance-providers/marsh/crime)

## Sources for Lockton vs Marsh Crime Insurance

### Sources About Lockton

1. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

### Sources About Marsh

2. [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.
3. [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/lockton-vs-marsh/crime.md)
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- [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)