Marsh vs WTW: How Do They Compare for 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.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹²Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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.

The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. ^12,11Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued 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. 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.

WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. ¹¹Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility.

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.

The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. ^12,11Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹²Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹²Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.