---
title: "Alliance Risk vs Marsh McLennan Agency: Fiduciary Liability Insurance"
description: "Alliance Risk describes fiduciary insurance for employers sponsoring 401(k), pension, or health plans, including arrangements where a third-party administrator (TPA) handles plan operations; Marsh McLennan Agency’s reviewed executive-liability page names fiduciary coverage but does not set out plan-specific grants."
canonical: "https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "alliance-risk-vs-marsh-mclennan-agency"
provider-a: "alliance-risk"
provider-b: "marsh-mclennan-agency"
coverage-line: "fiduciary"
---

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/alliance-risk-vs-marsh-mclennan-agency/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and Marsh McLennan Agency for Fiduciary Liability 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 Fiduciary Liability Insurance questions about Alliance Risk versus Marsh McLennan Agency. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Marsh McLennan Agency for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Alliance Risk or Marsh McLennan Agency?
- What does Alliance Risk or Marsh McLennan Agency publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Alliance Risk or Marsh McLennan Agency?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Alliance Risk and Marsh McLennan Agency.
- 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:**
- [Alliance Risk vs Marsh McLennan Agency](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property) — 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 Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)

# Alliance Risk vs Marsh McLennan Agency: How Do They Compare for Fiduciary Liability Insurance?

Alliance Risk describes fiduciary insurance for employers sponsoring 401(k), pension, or health plans, including arrangements where a third-party administrator (TPA) handles plan operations; Marsh McLennan Agency’s reviewed executive-liability page names fiduciary coverage but does not set out plan-specific grants.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Marsh McLennan Agency for Fiduciary Liability 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

Alliance Risk describes fiduciary insurance for employers sponsoring 401(k), pension, or health plans, including arrangements where a third-party administrator (TPA) handles plan operations; Marsh McLennan Agency’s reviewed executive-liability page names fiduciary coverage but does not set out plan-specific grants. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What Is Alliance Risk?

Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## 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. [6](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](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 Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Coverage Details and Plan Fit

Alliance Risk describes fiduciary insurance for employers sponsoring 401(k), pension, or health plans, including arrangements where a third-party administrator (TPA) handles plan operations. It lists defense costs, settlements, judgments, and Department of Labor audits and penalties among typical protection, while distinguishing employee dishonesty as an ERISA fidelity-bond issue. Marsh McLennan Agency’s reviewed executive-liability page names fiduciary coverage but does not set out plan-specific grants. For a plan sponsor, the practical task is to match the policy’s insured duties and audit provisions to the plan’s actual administration. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Placement and Buyer Questions

Alliance Risk also describes its brokerage review of existing coverage and asks for plan type, participants, plan assets, current limits, fidelity-bond status, and five years of claim history to prepare a quote. Marsh McLennan Agency invites adviser contact but provides no similar submission list on the cited page. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Alliance Risk how the quote treats DOL audits, penalties, and any shared aggregate with D&O or EPL, and confirm the deductible. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")
- Ask Marsh McLennan Agency which plan-related duties, claims, and audit costs are covered and what submission data it needs. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Offering Details

| Criteria | Alliance Risk Fiduciary Liability Insurance | Marsh McLennan Agency fiduciary (official overview) |
| --- | --- | --- |
| Role in This Line | Alliance Risk places fiduciary liability coverage as a broker: it reviews a company's current coverage and markets the risk to carriers that specialize in fiduciary liability. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page; Alliance Risk does not underwrite the policy itself..) | Marsh McLennan Agency describes arranging fiduciary for the audience stated on the cited product page. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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..) |
| Issuing Insurer | The reviewed fiduciary liability page does not name the insurer that would issue a policy; it says Alliance Risk markets a company's risk to carriers that specialize in fiduciary liability, so the issuing insurer depends on the placement. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: Fiduciary liability product page as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Alliance Risk targets fiduciary liability coverage at any employer sponsoring a 401(k), defined benefit pension or health plan, including multi-employer and union plans, nonprofits, sole proprietors and partnerships with plans, and professional groups managing partner retirement plans; it says even plans fully outsourced to a TPA still need fiduciary coverage because the sponsor retains oversight liability. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should add fiduciary liability coverage when it launches a 401(k) or similar benefit plan, because ERISA fiduciary duty attaches the moment the plan goes live. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's program-staging guidance, describing fiduciary liability specifically among the three bundled lines..) | Organizations seeking executive liability solutions; source does not define plan-specific eligibility. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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..) |
| Coverage Features | Alliance Risk lists legal defense costs, settlements and judgments, and Department of Labor audits and penalties as typically covered, responding to claims such as excessive-fee litigation and imprudent investment selection; it says criminal and fraudulent acts, bodily injury and property damage, and employee dishonesty (covered instead by an ERISA fidelity bond) are excluded. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page; coverage and exclusions described in general terms, subject to the policy as issued..) | The cited product page describes fiduciary liability as a named product in the executive and professional liability suite; the overview does not state plan-specific grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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..) |
| Limits and Retentions | Alliance Risk states standard fiduciary liability deductibles it sees range from $5,000 to $50,000, with smaller, lower-risk plans qualifying for lower deductibles and higher deductibles reducing premium at the cost of more out-of-pocket exposure in a claim. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page FAQ; illustrative range, not a quote for any particular plan..)<br><br>Alliance Risk says entry-level management-liability packages that bundle fiduciary liability with D&O and EPLI often share a single aggregate limit, so a large D&O or EPLI settlement earlier in the policy year can reduce what is left for a fiduciary claim; it says a specialist broker structures shared versus separate limits to manage that risk. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | 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. [8](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..) |
| Risk Services | Alliance Risk offers a no-charge review of an existing fiduciary liability policy, identifying gaps and exclusion risks and comparing the program to market options. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page, Get Your Fiduciary Liability Risk Review section..) | Confirm in your quote. |
| How to Apply | For a fiduciary liability quote, Alliance Risk asks for the plan type, number of participants, total assets under management, current coverage and limits, whether an ERISA fidelity bond is in place, and a five-year claims history of DOL audits and participant complaints, and says it typically delivers proposals within a few business days. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee..) | 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. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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..) |
| Claims Support | The reviewed fiduciary liability page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what a fiduciary liability policy covers rather than how Alliance Risk itself supports a claim. [4](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Not found in reviewed sources; scope: Fiduciary liability product page as read on 2026-09-23..) | Confirm in your quote. |

## Full Comparison

- [Alliance Risk vs Marsh McLennan Agency](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk)
- [Alliance Risk vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cargo-transit)
- [Alliance Risk vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-auto)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property)
- [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime)
- [Alliance Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cyber)
- [Alliance Risk vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/general-liability)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary)
- [AIG vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/fiduciary)
- [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary)
- [Alliance Risk vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/fiduciary)
- [Alliance Risk vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/fiduciary)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary)

## Sources

### Alliance Risk

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
4. [Fiduciary Liability Insurance](https://joinalliancerisk.com/fiduciary-liability-insurance/). Alliance Risk; Fiduciary Liability Insurance: Protecting the People Who Manage Your Plan; What Does Fiduciary Liability Insurance Cover?; What Fiduciary Liability Insurance Does NOT Cover; Who Needs Fiduciary Liability Insurance?; Cost of Fiduciary Liability Insurance; Get Your Fiduciary Liability Risk Review. Accessed 2026-09-23.
5. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Marsh McLennan Agency

6. [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.
7. [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.
8. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Named within the executive and professional liability product suite.. Accessed 2026-09-30.

### Fiduciary Liability Insurance Guide

9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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.

## Alliance Risk Reviews

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews).

## 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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary.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)