What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
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. 6,7
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Workers’ Compensation Insurance page
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. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Premium Calculation and Policy Detail
Amelia Risk explains a specific pricing basis: payroll multiplied by a rate, with no rate table published on the reviewed page. It also says a workers’ compensation policy includes employers liability for suits alleging employer negligence. Marsh McLennan Agency describes workers’ compensation as coverage for workplace injury or death and mentions safety and prevention support, but does not state a pricing formula or identify policy components in its overview. For budgeting, Amelia gives the calculation structure while leaving the rate unknown; ask both brokers for the class codes and actual quote. 4 8
Eligibility and Application Help
Amelia Risk says a business should buy coverage when it has an employee on payroll and notes that eligible officers may decline coverage for themselves. Its brokerage process gathers company information, approaches insurers, and reviews resulting quotes with the client. MMA says state and class eligibility depends on placement and routes buyers to an adviser. Employers should provide the same payroll and officer details to both teams so any exclusions or state requirements are visible before binding. 4 8
What to Confirm in Workers’ Compensation Insurance Quotes
Amelia Risk and Marsh McLennan Agency Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Amelia Risk Review Score
Review Score
1 rated source
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.[7]
Read Amelia Risk reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
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.[8][9][1]
Read Marsh McLennan Agency reviewsAmelia Risk vs Marsh McLennan Agency Workers’ Compensation Compared
Amelia Risk vs Marsh McLennan Agency: Workers’ Compensation Insurance: documented features by provider
| Criteria | Workers Compensation | Marsh McLennan Agency workers compensation (official overview) |
|---|---|---|
| Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. 5Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy. | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. 8Company-reported. 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 | The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. 4,2Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. | Confirm in your quote. |
| Who It’s For | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. 4Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state. | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. 8Company-reported. 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 | Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. 4Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. 4Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component. | 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. 8Company-reported. 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 | Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. 4Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule. | 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 2Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form. | 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. 8Company-reported. 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. |
Related Pages for Amelia Risk vs Marsh McLennan Agency
Workers’ Compensation Pages for Amelia Risk and Marsh McLennan Agency
Other Coverage Lines Compared for Amelia Risk vs Marsh McLennan Agency
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Amelia Risk vs Marsh McLennan Agency
Sources About Amelia Risk
- Amelia Risk Insurance Brokers. 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.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- 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.
- Workers Compensation. Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy? Accessed 2026-09-23.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.
Sources About Marsh McLennan Agency
- Who We Are. 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.
- Small Business Insurance Solutions. 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.
- Business Insurance | MMA. 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
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
- Employer resources. 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.
