--- title: "Marsh McLennan Agency vs RiskCube: Crime Insurance" description: "RiskCube describes a digital intake for startup crime coverage and names employee theft, forgery and social engineering; Marsh McLennan Agency lists crime placement without publishing those terms." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/crime" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "marsh-mclennan-agency-vs-riskcube" provider-a: "marsh-mclennan-agency" provider-b: "riskcube" 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/marsh-mclennan-agency-vs-riskcube/crime) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and RiskCube 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 Marsh McLennan Agency versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh McLennan Agency vs RiskCube for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Marsh McLennan Agency or RiskCube? - What does Marsh McLennan Agency or RiskCube publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from Marsh McLennan Agency or RiskCube? **Key facts:** - Line: Crime Insurance. Providers: Marsh McLennan Agency and RiskCube. - 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:** - [Marsh McLennan Agency vs RiskCube](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [Marsh McLennan Agency vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs RiskCube: How Do They Compare for Crime Insurance? RiskCube describes a digital intake for startup crime coverage and names employee theft, forgery and social engineering; Marsh McLennan Agency lists crime placement without publishing those terms. ## Research Scope and Use Use this comparison to evaluate Marsh McLennan Agency and RiskCube 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 RiskCube describes a digital intake for startup crime coverage and names employee theft, forgery and social engineering; Marsh McLennan Agency lists crime placement without publishing those terms. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## What Is RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## 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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## Key Differences in Crime Insurance ### Coverage and Audience RiskCube brokers crime as part of a startup insurance catalogue and describes protection for losses from employee theft, fraud, forgery and social-engineering attacks. Marsh McLennan Agency names commercial crime and fidelity but does not enumerate coverage. Startups handling client money or payment data can ask Marsh McLennan Agency whether its placement covers the same events and whether computer fraud is separate. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### Terms and Buyer Support RiskCube says its roughly ten-minute digital intake is followed by agents and licensed brokers comparing carriers, with vendor-ready proof targeted in about 24 hours. Marsh McLennan Agency directs buyers to an adviser but gives no quote or proof timeline. RiskCube also says third-party carriers issue its policies without naming them in the reviewed disclosure. Confirm the carrier and binding date. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### Placement and Claims Process RiskCube calls crime especially relevant to startups handling client funds or distributed teams. Marsh McLennan Agency describes an executive-risk audience without publishing a crime eligibility threshold. Share your transaction flows, employee access and financial controls with both before relying on a quote estimate. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What to Confirm in Crime Insurance Quotes - Ask RiskCube which insurer will issue the policy and whether the 24-hour proof target applies to your submission. Ask Marsh McLennan Agency for its startup eligibility, quote timeline and agreement list. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | Criteria | Marsh McLennan Agency crime (official overview) | RiskCube Commercial Crime Insurance | | --- | --- | --- | | Role in This Line | Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically..) | | Who It’s For | Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card..) | | Coverage Features | The cited product page describes commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card summary..) | | Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not publicly disclosed; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table..) | | Risk Services | Confirm in your quote. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | | How to Apply | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific..) | | Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | ## Full Comparison - [Marsh McLennan Agency vs RiskCube](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube): 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. - [Marsh McLennan Agency vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/employment-practices) - [Marsh McLennan Agency vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/fiduciary) - [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/crime) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) - [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) - [Aon vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/crime) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) ## Sources ### Marsh McLennan Agency 1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 3. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policy suite lists commercial crime/fidelity among executive and professional liability offerings.. Accessed 2026-09-30. ### RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23. ### Crime Insurance Guide 8. [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. 9. [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. 10. [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. 11. [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. 12. [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. ## Marsh McLennan Agency Reviews Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## RiskCube Reviews Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-riskcube/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)