Marsh vs Travelers Cyber Insurance

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ⁵Company-reported. Marsh corporate cyber insurance product page.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ⁸Company-reported. MMA cyber solutions page.

Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. ¹²Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section.

The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ⁶Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

Not described in the reviewed sources.

MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ⁸Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. ¹²Company-reported. Product page introduction.

MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ⁸Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. ¹²Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy.

Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ⁶Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. ¹²Not found in reviewed sources. Product page as read on 2026-09-23.

Not described in the reviewed sources.

Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. ¹²Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility.

Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. ¹²Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified.

You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^5,8Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. ¹²Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section.

Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. ⁷Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.

Not described in the reviewed sources.