--- title: "Alliance Risk vs Marsh McLennan Agency: Workers’ Compensation Insurance" description: "Alliance Risk specifies payroll audits, safety engineering, claims management, and return-to-work services; Marsh McLennan Agency describes safety and prevention support." canonical: "https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation" 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: "workers-compensation" --- 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/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and Marsh McLennan Agency for Workers’ Compensation 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 Workers’ Compensation 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 Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Alliance Risk or Marsh McLennan Agency? - What does Alliance Risk or Marsh McLennan Agency publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Alliance Risk or Marsh McLennan Agency? **Key facts:** - Line: Workers’ Compensation 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 - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary) — 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) - [Alliance Risk vs Marsh McLennan Agency Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/media) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/workers-compensation) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs Marsh McLennan Agency: How Do They Compare for Workers’ Compensation Insurance? Alliance Risk specifies payroll audits, safety engineering, claims management, and return-to-work services; Marsh McLennan Agency describes safety and prevention support. ## How to Use the Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance Comparison Use this comparison to evaluate Alliance Risk and Marsh McLennan Agency for Workers’ Compensation 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. ## Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance Summary Alliance Risk lists payroll and experience-modifier audits, safety engineering, claims management, and return-to-work programs for workers’ compensation. Marsh McLennan Agency describes arranging the line with safety and prevention risk-management support. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | 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. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](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 Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between Alliance Risk and Marsh McLennan Agency Workers’ Compensation Insurance? ### Workers’ Compensation Service Scope Alliance Risk describes a service package around the policy: auditing payroll classification and experience modifiers, implementing safety programs with risk engineers, managing claims from first report through closure, and running return-to-work programs. Marsh McLennan Agency’s overview says its workers’ compensation support includes safety and prevention, but does not detail those same audit, claims, or return-to-work steps. Employers with seasonal, subcontractor, or multi-state payroll may want to compare exactly who reviews classifications and who coordinates injured-worker claims. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ### Coverage and Workforce Questions Alliance Risk describes medical costs, partial wage replacement, disability, rehabilitation, and death benefits, while noting that some injuries or owners’ injuries may require careful treatment or endorsements. MMA describes workers’ compensation as coverage for work injuries or death and says state and class eligibility is placement-specific. Neither summary substitutes for a state-specific policy. If your workforce spans states or uses temporary and subcontract labor, ask both brokers how employee classifications and statutory benefits will be handled in the quote. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## What Should You Confirm in Alliance Risk and Marsh McLennan Agency Workers’ Compensation Insurance Quotes? - Will Alliance Risk audit your job classifications and administer claims through closure, and what is included in the service agreement? [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") - Which MMA risk services apply to your locations and payroll classes, and how will state-specific eligibility be confirmed? [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Compared | Criteria | Alliance Risk Workers' Compensation Insurance | Marsh McLennan Agency workers compensation (official overview) | | --- | --- | --- | | Role in This Line | Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, "Our Approach" section..) | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 | Alliance Risk's page notes that some states, including North Dakota, Ohio, Washington and Wyoming, require coverage through a state-run monopolistic fund, but it does not name the private insurers it places workers' comp with elsewhere. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Not publicly disclosed; scope: Workers' Compensation Insurance page, "Special Considerations by State" section..) | Confirm in your quote. | | Who It’s For | Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, "Who Needs" section..) | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms..) | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote..) | 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. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | 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 lists workers' comp services including audits for misclassified payroll and incorrect experience modifiers, safety-program implementation through risk engineers, and structuring loss-sensitive versus guaranteed-cost programs. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, "The Alliance Risk Difference" section..) | Confirm in your quote. | | How to Apply | The reviewed workers' compensation page does not describe a line-specific document checklist for a quote beyond directing prospective clients to Alliance Risk's general contact and quote forms. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Not found in reviewed sources; scope: Workers' Compensation Insurance page as read on 2026-09-23..) | 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. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 | Alliance Risk says it manages workers' comp claims "from first report to closure" to control costs and prevent long-term disability or litigation, and separately runs return-to-work programs it says reduce downtime. [4](https://joinalliancerisk.com/workers-compensation-insurance/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance page, "Our Approach" and "The Alliance Risk Difference" sections; claim outcomes are not independently verified..) | Confirm in your quote. | ## Related Pages for Alliance Risk vs Marsh McLennan Agency - [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 Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [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 D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) - [Alliance Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/employment-practices) - [Alliance Risk vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary) - [Alliance Risk vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/general-liability) - [Alliance Risk vs Marsh McLennan Agency Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/media) - [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions) - [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) - [Alliance Risk vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/workers-compensation) - [Alliance Risk vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-aon/workers-compensation) - [Alliance Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/workers-compensation) - [Alliance Risk vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/workers-compensation) ## Sources for Alliance Risk vs Marsh McLennan Agency ### Sources About 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. [Workers’ Compensation Insurance](https://joinalliancerisk.com/workers-compensation-insurance/). Alliance Risk; Our Approach to Workers’ Compensation; The Alliance Risk Difference; What Is Workers’ Comp Insurance?; Who Needs Workers’ Comp Insurance?; What Does/Doesn't Workers’ Comp Insurance Cover?; How Much Does Workers’ Comp Insurance Cost?; Special Considerations by State. Accessed 2026-09-23. ### Sources About Marsh McLennan Agency 5. [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. 6. [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. 7. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30. ### Sources for the Workers’ Compensation Insurance Guide 8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. 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 Review Scores for 2026 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 Review Scores for 2026 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/workers-compensation.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)