Armilla vs Marsh McLennan Agency
Armilla markets AI insurance and model assessment to AI developers and companies deploying AI, from startups to large enterprises; it does not state a minimum revenue or funding stage. 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. 6,10,21,23
Introduction
Coverage Comparison
| Coverage | Armilla | Marsh McLennan Agency |
|---|---|---|
| Builders risk | Not listed | Listed 20 |
| Cargo and transit | Not listed | Listed 17 |
| Commercial auto | Not listed | Listed 23 |
| Commercial property | Not listed | Listed 23 |
| Crime | Not listed | Listed 15 |
| Cyber liability | Not listed | Listed 23 |
| Directors and officers | Not listed | Listed 15 |
| Employment practices liability | Not listed | Listed 15 |
| Fiduciary liability | Not listed | Listed 15 |
| General liability | Not listed | Listed 23 |
| Generative AI liability | Listed 3Armilla markets standalone AI liability insurance as a managing general agent. | Not listed |
| Intellectual property | Not listed | Listed 15 |
| Kidnap and ransom | Not listed | Listed 15 |
| Media liability | Not listed | Listed 15 |
| Professional errors and omissions (E&O) | Not listed | Listed 23 |
| Surety bonds | Not listed | Listed 24 |
| Workers’ compensation | Not listed | Listed 23 |
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.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Armilla
Managing general agentCarrier & MGA
5.2/ 10Assessed provider: Armilla. Scope: Armilla Insurance Services Inc. as a company-named Lloyd's coverholder and AI insurance intermediary in North America, assessed against two named programmes and no others. For the AI Liability Insurance programme, also marketed as Armilla Insured, capacity is assessed as Armilla discloses it: a binding authority led by Chaucer and written by certain underwriters at Lloyd's, available to US insureds, offered through surplus lines insurers. For Armilla Guaranteed, a contractual performance warranty rather than insurance, no issuer is named and no capacity is assessed. The four reinsurers Armilla names on its broker page are attached to no programme and are not assessed as capacity for either. Financial resilience is scoped to Armilla's ability to sustain its own operations; the risk sits with the Lloyd's underwriters, whose capital is not Armilla's and is out of scope.
Marsh McLennan Agency
BrokerNo Spot Score
Assessment subject unavailable
Review Scores
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.
Armilla
Review Score
-/ 10Armilla has no usable independent review consensus in the sources checked. Buyer references and policy terms matter more than public ratings here.[1][2][3][4][5][6][7][8]
Read Armilla reviewsMarsh McLennan Agency
Review Score
-/ 10MMA’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.[1][2][7]
Read Marsh McLennan Agency reviewsKey Differences Between Armilla and Marsh McLennan Agency (MMA)
Business Roles and Insurer Access
Armilla describes its insurance operation as an MGA and says the insurer takes policy risk; it also identifies Armilla Insurance Services as a Lloyd’s coverholder. 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. 3 10 21
Customer Focus and Application Route
Armilla markets AI insurance and model assessment to AI developers and companies deploying AI, from startups to large enterprises; it does not state a minimum revenue or funding stage. 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. 6 21 16
Armilla directs buyers to contact its team for an AI risk assessment; coverage requires written confirmation and completed underwriting. 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. 2 23
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. 3 23
Compare Services
What each provider documents about the services you may need
| Criteria | Armilla | Marsh McLennan Agency |
|---|---|---|
| Business role | Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. 3,1,6Company-reported. Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified. The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. 8Verified. Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed. | 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. 18,9Verified. 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. 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. 10Company-reported. Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role. |
| Customer focus | AI developers and companies deploying AI can approach Armilla, which markets to startups and large enterprises; its pages set no minimum revenue or funding stage and do not guarantee a bootstrapped company qualifies. 6,2Company-reported. Published customer descriptions; no inferred startup eligibility thresholds. | MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. 21Company-reported. Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold. 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. 16Company-reported. Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list. |
| Application process | Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. 2,1Company-reported. Published process, not a submitted application, quote, binding test or promised turnaround. | 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. 23Company-reported. 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. |
Sources
Armilla Official Website
- Armilla: AI Insurance. Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
- AI Insurance – Lloyd’s Coverholder | Armilla AI. Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
- Armilla AI Insurance Brief. Armilla; Introduction identifying the MGA; Tailored Protection for AI Pioneers: standalone AI liability and Sample Coverage Areas; Industry Protection; footer on surplus-lines placement and Lloyd’s underwriting. Accessed 2026-09-16.
- AI Performance Warranty Brief. Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
- Armilla Assessments: AI Verification & Red-Teaming. Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
- Armilla for Brokers: Specialized AI Coverage. Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
- Armilla Terms of Service. Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
- Detail by Entity Name: ARMILLA INSURANCE SERVICES INC. Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598. Accessed 2026-09-16.
Marsh McLennan Agency Official Website
- Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC. 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.
- 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.
- Business Interruption Insurance. 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.
- Casualty. 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.
- Cyber. 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.
- US and Canada Legal Entities. 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.
- Executive and Professional Liability. 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.
- Insurance Services for All Industries. 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.
- International. 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.
- Marsh legal entities. 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.
- Producer/Adjuster Search — producer agency detail. 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.
- Property Insurance. 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.
- Rebranding to Marsh Agency. 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.
- Business Insurance. 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.
- 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.
- Surety. 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.
- Tampa, Florida. 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.
- Thompkins Masonic Insurance Program. 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.





