---
title: "Amelia Risk vs Marsh McLennan Agency (MMA)"
description: "Compare Amelia Risk and Marsh McLennan Agency (MMA) by business role, stated customer focus and application route, with questions to take to a quote."
canonical: "https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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/amelia-risk-vs-marsh-mclennan-agency)

# Amelia Risk vs Marsh McLennan Agency (MMA)

Compare Amelia Risk and Marsh McLennan Agency (MMA) by business role, stated customer focus and application route, with questions to take to a quote.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Amelia Risk amelia Risk lists startup, technology, consumer-product and life-sciences businesses among the sectors it serves; it does not publish minimum revenue or funding-stage eligibility. MMA identifies itself as a business of Marsh; its rebranding page describes the future Marsh Agency as a middle-market broker, and its small-business page invites buyers to call for a quote. Confirm the producer, insurer options and service for your account. [4](https://ameliarisk.com/specialties/ "Our Specialties") [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Amelia Risk

Role: Broker.

Broker Spot Score: **5.1/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/amelia-risk/reliability).

### Marsh McLennan Agency

Role: Broker.

Spot Score: **No Spot Score**.

Read the [full reliability assessment](https://spot.insure/insurance-providers/marsh-mclennan-agency/reliability).

## Amelia Risk Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.

- Google: Google star rating shown 1 (5 stars); 1 reviews. One named Pleasant Hill, California local-agent listing for the exact Amelia Risk Insurance Brokers LLC name; not firmwide or commercial-line-specific. Checked 2026-09-25. [Amelia Risk Insurance Brokers LLC | Local agents in Pleasant Hill, CA](https://agents.libertymutual.com/find-an-agent/state/california/pleasant-hill/amelia-risk-insurance-brokers-llc_4724726398)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/amelia-risk/reviews).

## Marsh McLennan Agency Reviews

Review Score: not enough ratings.

MMA’s BBB profile reports four complaints in three years and no customer reviews across headquarters and corporate-owned locations. Broad Marsh ratings include household and non-U.S. experiences, so they cannot tell you how MMA serves commercial clients.



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





## Coverage Comparison

| Coverage Type | Amelia Risk | Marsh McLennan Agency |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed [40](https://www.marshmma.com/us/solutions/property.html "Property Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Amelia Risk arranges business owner’s policies for startups. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Amelia Risk arranges stock-throughput (cargo) insurance for consumer-product businesses, which can address inventory in transit and at other locations. [11](https://ameliarisk.com/insurance-policies/stock-throughput/ "Stock Throughput") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [37](https://www.marshmma.com/us/solutions/international.html "International") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Amelia Risk arranges commercial auto insurance for consumer-product businesses. [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Amelia Risk arranges employee crime (fidelity) insurance. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Amelia Risk arranges cyber insurance. [16](https://ameliarisk.com/insurance-policies/cyber-liability/ "Cyber Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Amelia Risk arranges directors and officers liability. [13](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors And Officers Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Amelia Risk arranges employment practices liability. [14](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Amelia Risk arranges fiduciary liability. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Amelia Risk arranges general liability insurance. [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Amelia Risk arranges hired and non-owned auto liability for startups and consumer-product businesses. [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Not listed |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Not listed | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed [35](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Amelia Risk arranges product liability insurance for consumer-product businesses. [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: Amelia Risk arranges product-recall insurance for consumer-product businesses. [12](https://ameliarisk.com/insurance-policies/product-recall/ "Product Recall") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Amelia Risk arranges professional errors and omissions insurance for startups. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed [44](https://www.marshmma.com/us/solutions/surety.html "Surety") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Amelia Risk arranges technology errors and omissions insurance for technology businesses. [17](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors And Omissions") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Amelia Risk arranges umbrella and excess liability. [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [10](https://ameliarisk.com/insurance-policies/general-liability/ "General Liability") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Amelia Risk arranges workers’ compensation insurance. [15](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") [9](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") | Listed [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Amelia Risk and Marsh McLennan Agency (MMA)

### Business Roles and Insurer Access

Amelia Risk describes a broker-led process for identifying risks, approaching insurers and recommending a program. It does not present itself as the insurer. MMA describes itself as a business of Marsh. Its rebranding page says the future Marsh Agency will continue as an advocate and broker for middle-market clients; that transition statement does not identify an insurer for a particular account. [4](https://ameliarisk.com/specialties/ "Our Specialties") [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency")

### Customer Focus and Application Route

Amelia Risk lists startup, technology, consumer-product and life-sciences businesses among the sectors it serves; it does not publish minimum revenue or funding-stage eligibility. MMA’s rebranding page describes the future Marsh Agency as serving middle-market clients, and its U.S. industry directory lists sectors including construction, healthcare, manufacturing, real estate, and transportation. These are examples, not an eligibility schedule. [4](https://ameliarisk.com/specialties/ "Our Specialties") [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") [36](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries")

Amelia Risk describes a broker conversation: it gathers information, approaches insurers and reviews quotes with the buyer, who makes the decision. MMA’s U.S. small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto and cyber, and invites buyers to call for a personalized quote. The page does not establish an online application, purchase or binding route. [4](https://ameliarisk.com/specialties/ "Our Specialties") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

## What to Confirm in Quotes

Ask which legal entity and producer will handle the account, which insurers may be approached, how compensation is paid, and what service and renewal support applies. Confirm actual policy wording, limits, retentions, exclusions, effective dates and total cost; the public descriptions do not establish equivalent coverage or eligibility. [4](https://ameliarisk.com/specialties/ "Our Specialties") [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Amelia Risk | Marsh McLennan Agency |
| --- | --- | --- |
| Business role | Amelia Risk gives buyers a broker to identify risks, discuss options, approach insurers and recommend a program; it does not present itself as the insurer. Its public pages do not name a licensed producer suffix, license number or NPN. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/about-us/ "About Us") [4](https://ameliarisk.com/specialties/ "Our Specialties") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [19](https://ameliarisk.com/privacy-policy/ "Privacy Policy") (Evidence: Company-reported; scope: Company website positioning as of 16 September 2026. Does not independently verify producer authority, appointments, or surplus-lines status.; verified: 2026-09-16.) | As of 2026-09-28, Marsh’s US legal-entity page lists Marsh & McLennan Agency LLC as the current entity name for Marsh Agency (formerly MMA) and Marsh Agency LLC as proposed, with displayed state completion statuses marked TBD. Louisiana’s regulator lists Marsh & McLennan Agency LLC as a producer agency with active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31. This is Louisiana-specific producer evidence, not evidence of an insurer role or nationwide licensing. [38](https://www.marsh.com/en/about/legal-entity-us-ca.html "Marsh legal entities") [29](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency "Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC") (Evidence: Verified; scope: Current entity name and proposed legal-name transition as listed on Marsh’s US legal-entity page, plus producer-authority evidence for Louisiana only, accessed 2026-09-28. No other state licensing was audited; this record does not establish an insurer or underwriting role.; verified: 2026-09-28.)<br><br>Marsh McLennan Agency describes itself as a business of Marsh and lists business insurance, employee health and benefits, retirement and wealth, and private-client insurance services across the United States and Canada. [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are") (Evidence: Company-reported; scope: Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role.; verified: 2026-09-29.) |
| Customer focus | Start with Amelia Risk if you are a startup, technology company or consumer-product business; its specialty pages cover software, hardware, robotics, AI, autonomous-vehicle software, life sciences, food, beverage, cosmetics and accessible-luxury brands. A company podcast describes a primary CPG focus, including higher-risk products such as baby food, skincare and supplements. Public pages do not set minimum revenue, headcount or funding-stage eligibility. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [3](https://ameliarisk.com/team/ "Our Team") [4](https://ameliarisk.com/specialties/ "Our Specialties") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Marketed industries on current official pages and a company-hosted interview transcript. Not an underwriting appetite or California-only customer limit.; verified: 2026-09-16.) | MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. [41](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") (Evidence: Company-reported; scope: Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold.; verified: 2026-09-28.)<br><br>MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. These are examples of stated sector focus, not a complete appetite or eligibility list. [36](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries") (Evidence: Company-reported; scope: Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list.; verified: 2026-09-28.) |
| Application process | Expect a broker conversation rather than a self-service binder: Amelia Risk gathers information, approaches insurers, reviews quotes with you, and leaves the decision to you. It says clients need not print, sign and scan multiple forms. A hosted interview suggests D&O underwriting may take days or weeks and recommends a two-to-three-week budget; this is an illustration, not a service deadline. No public quote calculator or sample application was found. [4](https://ameliarisk.com/specialties/ "Our Specialties") [18](https://ameliarisk.com/contact/ "Contact Us") [2](https://ameliarisk.com/about-us/ "About Us") [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [20](https://ameliarisk.com/blog/who-is-amelia/ "Why We Created Amelia Risk") [22](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: Process marketing on specialties, contact, about, and podcast transcript pages. Contact iframe fields were not fully captured in text extraction; no forms were submitted.; verified: 2026-09-16.) | MMA’s US small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability, and invites buyers to call 833-256-4266 for a personalized quote. The page also contains a small-business specialist form, but its function and any online application, purchase, or binding route are not established by the page reviewed. [43](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") (Evidence: Company-reported; scope: US small-business landing page only. The phone invitation does not establish quote speed, eligibility, online purchase or binding; the embedded specialist form's function was not established.; verified: 2026-09-29.) |

## Related Reading

- [What Is Amelia Risk?](https://spot.insure/insurance-providers/amelia-risk)
- [What Is Marsh McLennan Agency?](https://spot.insure/insurance-providers/marsh-mclennan-agency)

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## Sources

### [Amelia Risk Official Website](https://ameliarisk.com/)

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
3. [Our Team](https://ameliarisk.com/team/). Amelia Risk Insurance Brokers; Women-owned and operated brokerage statement; combined 60+ years claim; biographies for Liz Moore, Danielle Holyoake, Jess Cano, and Toni Simpson. Accessed 2026-09-16.
4. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
5. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Startup audience copy; Insurance policies for startups to consider: D&O, EPL, fiduciary, professional liability, cyber, BOP (property, general liability, hired and non-owned auto), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
6. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Better-for-you food, beverage and cosmetic audience; Insurance policies for CPG companies to consider: product liability, recall, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), general liability, employee crime/fidelity, workers compensation; FAQ on copacker insurance, product recall versus product liability, hired and non-owned auto, and Prop 65 as possible sublimited defense. Accessed 2026-09-16.
7. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: D&O, EPL, fiduciary, Tech E&O, cyber, BOP (property, general liability, hired and non-owned auto), general liability, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
8. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Consumer-goods and accessible-luxury audience; Insurance policies for Consumer Product companies to consider: product recall, product liability, D&O, EPL, fiduciary, cyber, cargo/stock throughput, auto liability (owned, hired and non-owned), umbrella, employee crime/fidelity, workers compensation. Accessed 2026-09-16.
9. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub cards: General Liability & Umbrella, Stock Throughput, Product Recall, D&O, EPL, Workers Compensation, Cyber Liability, Technology Errors & Omissions; nav labels POLICIES and FOR CLIENTS. Accessed 2026-09-16.
10. [General Liability](https://ameliarisk.com/insurance-policies/general-liability/). Amelia Risk Insurance Brokers; What's covered: premises, personal and advertising injury, product liability; hired and non-owned auto (sometimes standalone); umbrella or excess over scheduled underlying liability limits. Accessed 2026-09-16.
11. [Stock Throughput](https://ameliarisk.com/insurance-policies/stock-throughput/). Amelia Risk Insurance Brokers; What's covered: stock throughput often referred to as cargo; in-transit and at-location coverages; selling-price valuation compared with replacement cost. Accessed 2026-09-16.
12. [Product Recall](https://ameliarisk.com/insurance-policies/product-recall/). Amelia Risk Insurance Brokers; What's covered by a Product Recall Policy; when a company should buy it; As your broker, we help walk through these factors. Accessed 2026-09-16.
13. [Directors And Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a D&O policy; when companies commonly consider purchase around outside funding. Accessed 2026-09-16.
14. [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/). Amelia Risk Insurance Brokers; What's covered; timing note on employers in California and New York. Accessed 2026-09-16.
15. [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/). Amelia Risk Insurance Brokers; Description of workers compensation as statutory coverage required by all 50 states, and employer’s liability; when an employer with payroll should buy it. Accessed 2026-09-16.
16. [Cyber Liability](https://ameliarisk.com/insurance-policies/cyber-liability/). Amelia Risk Insurance Brokers; Network security and privacy liability; first-party and third-party components; cyber-crime/social engineering described as a traditional add-on. Accessed 2026-09-16.
17. [Technology Errors And Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; Tech E&O described as a more specific term for professional liability covering financial loss from failed technology products or services. Accessed 2026-09-16.
18. [Contact Us](https://ameliarisk.com/contact/). Amelia Risk Insurance Brokers; Get in touch invitation; embedded contact iframe; LEARN ABOUT OUR SPECIALTIES; footer locations San Francisco and East Bay. Accessed 2026-09-16.
19. [Privacy Policy](https://ameliarisk.com/privacy-policy/). Amelia Risk Insurance Brokers; Opening identification of Amelia Risk Insurance Brokers and ameliarisk.com; comment, media and cookie notices. Accessed 2026-09-16.
20. [Why We Created Amelia Risk](https://ameliarisk.com/blog/who-is-amelia/). Amelia Risk Insurance Brokers; Liz Moore, 16 August 2021; late 2019 launch; independent coverage-first broker; women-owned positioning; free-consultation email at close. Accessed 2026-09-16.
21. [The Importance Of An Insurance Broker](https://ameliarisk.com/blog/the-importance-of-a-broker/). Amelia Risk Insurance Brokers; Liz Moore, 23 August 2021; broker as outsourced risk manager and claims/renewal advocate; closing invitation for a free consultation. Accessed 2026-09-16.
22. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake introduction: CRO and co-founder; late 2019 start; CPG focus; D&O underwriting described as days to a few weeks with completed information, with a two-to-three-week comfortable budget; inventory/stock throughput discussion. Accessed 2026-09-16.
23. [Nexsure Client Login](https://portal2018.nexsure.com/Login?key=0723CDE468584231BF409821). Nexsure; Login page linked from Amelia Risk’s Client Login Portal / FOR CLIENTS navigation. Accessed 2026-09-16.
24. [Ascend Insured Portal For Amelia Risk Insurance Brokers](https://portal.useascend.com/amelia_risk_insurance_brokers). Ascend; Login page at /amelia_risk_insurance_brokers linked from Amelia Risk navigation. Accessed 2026-09-16.
25. [Amelia Risk Pay Now](https://ameliarisk.epaypolicy.com/). ePayPolicy; Footer Pay Now / MAKE A PAYMENT link. Accessed 2026-09-16.
26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency or Organization Name search. Accessed 2026-09-16.
27. [Look Up A National Producer Number](https://nipr.com/licensing-center/look-up-a-national-producer-number). National Insurance Producer Registry; Public NPN lookup definition page. Accessed 2026-09-16.
28. [Bizfile Online](https://bizfileonline.sos.ca.gov/). California Secretary of State; Business search. Accessed 2026-09-16.

### [Marsh McLennan Agency Official Website](https://www.marshmma.com/us/mma/about-us.html)

29. [Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Producer Agency Detail, lines 7-49: entity, producer-agency classification, license number, authorities and validity through 2028-03-31; lines 53-57: historical 2010 lapse/resume entries; lines 69-72: entity-record actions display. Accessed 2026-09-28.
30. [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.
31. [Business Interruption Insurance](https://www.marshmma.com/us/solutions/business-interruption-insurance.html). Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
32. [Casualty](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Lines 203-205 and 211-224: casualty advisory, claims advocacy, risk analytics and workers’ compensation. No adjusting or paying role established. Accessed 2026-09-29.
33. [Cyber](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Lines 205-207: network security, privacy, technology and emerging cyber risks; lines 226-228: prepare, mitigate, respond, recover, claims advocacy and carrier liaison. Company-reported support, not outcomes or insurer identity. Accessed 2026-09-29.
34. [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
35. [Executive and Professional Liability](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Lines 204-210 name D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, architects and engineers, lawyers professional, kidnap and ransom; lines 211-213 explain D&O; following section explains EPL. Lists do not establish policy terms. Accessed 2026-09-29.
36. [Insurance Services for All Industries](https://www.marshmma.com/us/industries/view-all-industries.html). Marsh McLennan Agency; National US industry directory, lines 209-252; examples include construction (219), financial institutions (224), healthcare (229), manufacturing (236), real estate (243), and transportation and trucking (252). Accessed 2026-09-28.
37. [International](https://www.marshmma.com/us/solutions/international.html). Marsh McLennan Agency; Lines 204-206 and 228-231: international placement; business travel accident, control master, foreign package, K&R, political risk/trade credit, surety, marine cargo. Not a domestic availability guarantee. Accessed 2026-09-29.
38. [Marsh legal entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Marsh Agency formerly known as MMA, US entities and proposed-name status, lines 528-587: current Marsh & McLennan Agency LLC, proposed Marsh Agency LLC, listed state statuses TBD. Accessed 2026-09-28.
39. [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
40. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Lines 205-210 describe commercial property and physical assets; property page coverage section also lists builders’ risk. Company marketing only; no policy wording, limits, exclusions, insurer, or eligibility. Accessed 2026-09-29.
41. [Rebranding to Marsh Agency](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html). Marsh McLennan Agency; Accepted repaired inspection lines 215-224: account/team/contact and existing policy continuity through transition, legal name may appear at renewal. Transition statement only; not general renewal workflow. Accessed 2026-09-29.
42. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
43. [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.
44. [Surety](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Lines 205-207 and 224-233: surety, contract/commercial surety, and license/permit bonds. No surety carrier, collateral, price, or issuance time established. Accessed 2026-09-29.
45. [Tampa, Florida](https://www.marshmma.com/us/locations/florida/tampa.html). Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
46. [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic). Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.

Updated 2026-09-29. 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.

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