--- title: "Armilla vs Marsh" description: "Distinguish Armilla’s AI liability insurance, performance warranties and assessments from Marsh’s broader technology brokerage." canonical: "https://spot.insure/compare/armilla-vs-marsh" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Armilla", "Marsh"] --- [Human-readable page](https://spot.insure/compare/armilla-vs-marsh) # Armilla vs Marsh Distinguish Armilla’s AI liability insurance, performance warranties and assessments from Marsh’s broader technology brokerage. ## Research Scope and Use Use this comparison to evaluate Armilla and Marsh against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Armilla markets AI liability through an MGA/coverholder operation, plus separate performance warranties and assessments. Marsh provides insurance brokerage and technology-risk advice rather than one standardized AI contract. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") ## Introduction Armilla offers AI liability insurance, contractual performance warranties and model assessments. Marsh offers technology-sector brokerage and risk advice. An AI vendor or enterprise buyer should first decide what protection is being purchased: a response to third-party liability, a remedy for missed performance metrics, or help arranging a wider insurance program. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") ## Documented Provider Strengths ### Armilla - Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.) - Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.) ### Marsh - Marsh brokers insurance and advises on risk for companies across industries, with a Technology Practice and a US/Canada middle-market path through Marsh McLennan Agency. [9](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [28](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) - Marsh places cyber insurance through a dedicated practice and markets large digital-infrastructure property placements through Stratus, alongside MMA executive, property, casualty and benefits brokerage. [16](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [32](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Armilla | Marsh | | --- | --- | --- | | Builders risk | Not listed | Listed [34](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | | Commercial property | Not listed | Listed [34](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | | Crime | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Cyber liability | Not listed | Listed [16](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [32](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | | Directors and officers | Not listed | Listed [19](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Employee health and benefits | Not listed | Listed [37](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [30](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | | Employment practices liability | Not listed | Listed [20](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Equipment breakdown | Not listed | Listed [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Fidelity bonds | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Fiduciary liability | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | General liability | Not listed | Listed [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed | | Intellectual property | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Kidnap and ransom | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Management liability | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [22](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | | Media liability | Not listed | Listed [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Professional liability / E&O | Not listed | Listed [21](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Surety bonds | Not listed | Listed [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [36](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | | Technology errors and omissions | Not listed | Listed [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [21](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | | Workers’ compensation | Not listed | Listed [35](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Armilla and Marsh ### A Warranty Does Not Replace Liability Insurance Armilla Guaranteed is described as a contractual performance warranty, with remedies tied to agreed metrics. Its standalone AI liability offering instead lists areas such as model errors and harmful outputs, subject to the policy. Marsh’s brokerage can address technology professional liabilities, but its service description does not establish an equivalent warranty. Ask which contract would respond to a failed benchmark and which would address a customer’s damages allegation. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [21](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") ### Assessments Have Their Own Scope and Cost Armilla Verified describes testing performance, fairness, security and robustness, with optional monitoring and retesting. Do not assume that every assessment or ongoing service is included in the insurance premium. Marsh markets analytics and consulting under broader engagements. Compare the specific testing or advisory deliverable, who receives it and what happens when the model changes, rather than treating either service as proof of regulatory compliance. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [10](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") ### Backing Partners Are Not Necessarily Your Contracting Party Armilla describes an MGA and Lloyd’s coverholder role and names backing partners, but those names do not identify the insurer or warranty obligor for an individual offer. Its insurance uses a surplus-lines route with jurisdictional limits. Marsh also acts as an intermediary. Request the legal risk-bearing entity and California placement route, plus the warranty issuer and buyer remedies if a warranty is included. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## What to Confirm in Quotes Obtain separate insurance, warranty and assessment documents. Specify covered AI activities, performance metrics, exclusions, monitoring charges and notice procedures. Armilla’s public pages do not establish a complete claims-notification process; Marsh’s claims advocacy is assistance with insurers, not the liability contract itself. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") [18](https://www.marsh.com/en/services/claims-management.html "Claims Management") ## Service Comparison Armilla vs Marsh: documented services and availability. | Criteria | Armilla | Marsh | | --- | --- | --- | | Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)

Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [25](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [10](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [25](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [27](https://affinity.marsh.com/affinity/licensing.html "Licensing") [28](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [9](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [39](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; verified: 2026-09-16.) | | Coverage lines | Armilla’s standalone AI liability brief lists model errors and hallucinations, harmful outputs, agent mistakes, non-breach data leakage, third-party property damage and AI-related regulatory proceedings as sample coverage areas. These are advertised scopes, not confirmation that a particular loss or fine is insured. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)

Armilla Guaranteed is a contractual performance warranty, not an insurance policy. Armilla says it funds remedies for missed agreed metrics; its FAQ describes a buyer refund when the issue cannot be resolved and identifies misuse, unauthorized changes and external events as typical exclusions. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty description, distinct from affirmative AI liability insurance; no executed warranty or issuer agreement inspected.; verified: 2026-09-16.) | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [16](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [32](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [12](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [19](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [20](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [21](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [33](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [22](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL in this draft.; verified: 2026-09-16.)

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [31](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [34](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [35](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [36](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [37](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; verified: 2026-09-16.) | | Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [23](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [24](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [29](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [25](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | | Access to insurers | Armilla names certain underwriters at Lloyd’s for its affirmative AI liability insurance. Its product brief also names Chaucer, Axis Capital and Convex as backing partners, without identifying the contracting insurer or syndicate for an individual quote. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: AI liability only. Partner names do not establish that each participates in every placement; no ratings independently verified.; verified: 2026-09-16.)

The warranty brief names Chaucer Group, Greenlight Re and Swiss Re as backing partners. It does not identify the legal warranty issuer, the buyer’s direct rights against a backing insurer, or a California-specific warranty contract. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty partner disclosure only; no inference that backing partners directly insure the enterprise buyer.; verified: 2026-09-16.) | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [31](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [13](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [25](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [27](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; verified: 2026-09-16.) | | Customer focus | Armilla’s broker page addresses startups, AI vendors and large enterprises; its offerings distinguish AI developers from businesses deploying AI. The reviewed pages do not establish a minimum revenue, funding stage or automatic eligibility for a bootstrapped company. [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Company-reported; scope: Published customer descriptions; no inferred startup eligibility thresholds.; verified: 2026-09-16.) | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. [9](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [11](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [26](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [28](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) | ## Related Reading - [What Is Armilla?](https://spot.insure/insurance-providers/armilla) - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) ## Related Comparisons - [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs CFC](https://spot.insure/compare/armilla-vs-cfc) - [Armilla vs Chubb](https://spot.insure/compare/armilla-vs-chubb) - [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition) - [Armilla vs Corgi](https://spot.insure/compare/armilla-vs-corgi) - 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[Armilla vs WithCoverage](https://spot.insure/compare/armilla-vs-withcoverage) - [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [CFC vs Marsh](https://spot.insure/compare/cfc-vs-marsh) - [Chubb vs Marsh](https://spot.insure/compare/chubb-vs-marsh) - [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh) - [Corgi vs Marsh](https://spot.insure/compare/corgi-vs-marsh) - [Coterie vs Marsh](https://spot.insure/compare/coterie-vs-marsh) - [Coverdash vs Marsh](https://spot.insure/compare/coverdash-vs-marsh) - [Cowbell vs Marsh](https://spot.insure/compare/cowbell-vs-marsh) - [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh) - [Founder Shield vs Marsh](https://spot.insure/compare/foundershield-vs-marsh) - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh) - [Harper vs Marsh](https://spot.insure/compare/harper-vs-marsh) - [Heffernan vs Marsh](https://spot.insure/compare/heffernan-vs-marsh) - [Hiscox vs Marsh](https://spot.insure/compare/hiscox-vs-marsh) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [Kinro vs Marsh](https://spot.insure/compare/kinro-vs-marsh) - [Layr vs Marsh](https://spot.insure/compare/layr-vs-marsh) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Marsh vs Mylo](https://spot.insure/compare/marsh-vs-mylo) - [Marsh vs Newfront](https://spot.insure/compare/marsh-vs-newfront) - [Marsh vs Next Insurance](https://spot.insure/compare/marsh-vs-next-insurance) - [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance) - [Marsh vs Relm](https://spot.insure/compare/marsh-vs-relm) - [Marsh vs Resilience](https://spot.insure/compare/marsh-vs-resilience) - [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube) - [Marsh vs Risklytics](https://spot.insure/compare/marsh-vs-risklytics) - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) - [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi) - [Marsh vs Vouch](https://spot.insure/compare/marsh-vs-vouch) - [Marsh vs WithCoverage](https://spot.insure/compare/marsh-vs-withcoverage) ## Sources ### [Armilla Official Website](https://www.armilla.ai/) 1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16. 2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16. 3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16. 4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16. 5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16. 6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16. 7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16. 8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16. ### [Marsh Official Website](https://www.marsh.com/en/home.html) 9. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 10. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16. 11. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; listed practice links including data center insurance, fintech, Stratus; Talk to us contact CTA. FAQ coverage questions treated as educational, not catalogue proof.. Accessed 2026-09-16. 12. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage (property, casualty, technology E&O); surety for PPA and interconnection; FAQ typical covers: property damage, equipment breakdown, business interruption, cyber, general liability. Accessed 2026-09-16. 13. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16. 14. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. No line-by-line US product schedule.. Accessed 2026-09-16. 15. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ describing possible policy parts, not a guarantee. Accessed 2026-09-16. 16. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 17. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 18. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16. 19. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16. 20. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16. 21. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 22. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL (educational context for the practice page). Accessed 2026-09-16. 23. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; JSON-LD legalName Marsh LLC; link to business-form.html. Inspected 16 September 2026; no form submitted.. Accessed 2026-09-16. 24. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path noted for certificates, policies and billing. Embedded form iframe not fully field-mapped; no submission.. Accessed 2026-09-16. 25. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16. 26. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; Copyright © 2024, Marsh LLC. Accessed 2026-09-16. 27. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153; Amazon program administrator role and Victor wholesale/MGA language are program-specific and not treated as the default Marsh retail role. Accessed 2026-09-16. 28. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 29. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 30. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16. 31. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16. 32. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16. 33. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policies include D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, and kidnap and ransom; coverage subsections for D&O, EPL and cyber. Accessed 2026-09-16. 34. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property; flood, windstorm, wildfire, earthquake options; builders’ risk; claims advocacy; captives and parametric options. Accessed 2026-09-16. 35. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program design; Claims Management; Workers’ Compensation subsection describing WC as coverage for on-the-job injury. Accessed 2026-09-16. 36. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 37. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Employee benefits consulting positioning; implementation of employee benefits solutions. Accessed 2026-09-16. 38. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for 2026 MMA Compensation Guide download and premium-finance disclosure; PDF body not fully extracted (download redirected). Compensation types for MMA therefore rest primarily on the Marsh US guide’s MMA statements.. Accessed 2026-09-16. 39. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Historical enforcement caption, not a 2026 license-status verification.. Accessed 2026-09-16. 40. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public search interface retrieved 16 September 2026; no authenticated license-detail record for 437153 was returned in this research (no captcha completion). No current status conclusion drawn.. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/armilla-vs-marsh.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)