Marsh vs RiskCube Crime Insurance

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. ^5,6Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page.

RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ¹⁰Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.

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. ⁵Not publicly disclosed. Commercial crime insurance page as read on 2026-09-23.

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. ⁹Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.

Not described in the reviewed sources.

RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ¹⁰Company-reported. Catalogue Commercial Crime card.

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. ⁵Company-reported. 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.

RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ¹⁰Company-reported. Catalogue Commercial Crime card summary.

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. ⁵Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer.

RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. ¹⁰Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.

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. ⁵Company-reported. Commercial crime insurance page, Why Marsh section.

The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. ¹⁰Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.

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. ^5,6Company-reported. Commercial crime insurance and MMA executive and professional liability pages.

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. ¹⁰Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.

Not described in the reviewed sources.

The reviewed catalogue page does not describe claims handling specific to commercial crime. ¹⁰Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.