---
title: "The Baldwin Group vs Marsh McLennan Agency: Surety Bonds"
description: "Baldwin builds bonding programs and prepares applications; Marsh McLennan Agency describes commercial and contract surety for business clients."
canonical: "https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-marsh-mclennan-agency"
provider-a: "baldwin"
provider-b: "marsh-mclennan-agency"
coverage-line: "surety-bonds"
---

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[Human-readable page](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and Marsh McLennan Agency for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds questions about The Baldwin Group versus Marsh McLennan Agency. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Baldwin Group vs Marsh McLennan Agency for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, The Baldwin Group or Marsh McLennan Agency?
- What does The Baldwin Group or Marsh McLennan Agency publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from The Baldwin Group or Marsh McLennan Agency?

**Key facts:**
- Line: Surety Bonds. Providers: The Baldwin Group and Marsh McLennan Agency.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [The Baldwin Group vs Marsh McLennan Agency](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Chubb Surety Bonds](https://spot.insure/compare/baldwin-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs CNA Surety Bonds](https://spot.insure/compare/baldwin-vs-cna/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Coverdash Surety Bonds](https://spot.insure/compare/baldwin-vs-coverdash/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Embroker Surety Bonds](https://spot.insure/compare/baldwin-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs Marsh McLennan Agency: How Do They Compare for Surety Bonds?

Baldwin builds bonding programs and prepares applications; Marsh McLennan Agency describes commercial and contract surety for business clients.

## Research Scope and Use

Use this comparison to evaluate The Baldwin Group and Marsh McLennan Agency for Surety Bonds against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Marsh McLennan Agency identifies surety products and business-facing access; Baldwin names specific bond forms and capacity-building services. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA")

## What Is the Baldwin Group?

Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## 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. [4](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [5](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## What Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [7](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [8](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [9](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [10](https://www.chubb.com/us-en/surety.html "Surety Bonds") [11](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## Key Differences in Surety Bonds

### Business adviser and named surety offerings

Baldwin describes support to build bonding programs, prepare applications and secure access to surety markets. Marsh McLennan Agency lists commercial and contract surety for business clients, offering a clear starting point within an agency relationship. Buyers should compare the specific market access and service team they would use, not infer that a listed product alone guarantees the bond will be available. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA")

### The obligee determines the required form

Baldwin names bid, performance/payment, maintenance, license and subdivision bonds, while Marsh McLennan Agency describes commercial and contract categories. A city license bond and a construction performance bond carry different obligations; the obligee’s wording controls. Both routes require the proposed surety and indemnity agreement to be reviewed before a business commits. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA")

## What to Confirm in Surety Bonds Quotes

- Ask Marsh McLennan Agency which surety and form fit your project or license requirement. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA")
- Ask Baldwin for the capacity review, collateral terms and financial documents required. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA")

## Offering Details

| Criteria | Baldwin Surety Bond Brokerage and Advisory | Marsh McLennan Agency surety bonds (official overview) |
| --- | --- | --- |
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Surety Bond. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | Marsh McLennan Agency describes arranging surety bonds for the audience stated on the cited product page. [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") (Evidence: Company-reported; scope: surety bonds 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..) |
| Who It’s For | Baldwin serves construction and commercial businesses, naming contractors, specialty trades, infrastructure contractors, auto dealers, freight brokers, private equity, homebuilders, real estate, manufacturers and oil and gas among its audiences. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | Organizations of varying sizes; source describes contract surety and commercial programs, including license and permit bonds. [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") (Evidence: Company-reported; scope: surety bonds 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 | Baldwin describes contract, commercial, court and fidelity bond categories, and lists bid, performance/payment, maintenance, license and subdivision bonds. Bond obligations depend on the bond form, obligee and requested project. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | The cited product page describes contract surety and commercial license-and-permit bonds, with the source describing customized support for complex risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") (Evidence: Company-reported; scope: surety bonds 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 | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | 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. [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | Baldwin describes establishing bonding programs, securing project bonds, improving capacity, connecting clients with surety markets and helping prepare applications. Its request form asks for project and financial documents. [3](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. [6](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") (Evidence: Company-reported; scope: surety bonds 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..) |

## Full Comparison

- [The Baldwin Group vs Marsh McLennan Agency](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk)
- [The Baldwin Group vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/cargo-transit)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-auto)
- [The Baldwin Group vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/commercial-property)
- [The Baldwin Group vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/crime)
- [The Baldwin Group vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/cyber)
- [The Baldwin Group vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/employment-practices)
- [The Baldwin Group vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/fiduciary)
- [The Baldwin Group vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/general-liability)
- [The Baldwin Group vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/workers-compensation)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [The Baldwin Group vs Chubb Surety Bonds](https://spot.insure/compare/baldwin-vs-chubb/surety-bonds)
- [The Baldwin Group vs CNA Surety Bonds](https://spot.insure/compare/baldwin-vs-cna/surety-bonds)
- [The Baldwin Group vs Coverdash Surety Bonds](https://spot.insure/compare/baldwin-vs-coverdash/surety-bonds)
- [The Baldwin Group vs Embroker Surety Bonds](https://spot.insure/compare/baldwin-vs-embroker/surety-bonds)
- [The Baldwin Group vs Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/surety-bonds)

## Sources

### The Baldwin Group

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28.
2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28.
3. [Surety Bond Insurance for Construction & Commercial Sectors](https://baldwin.com/business-insurance/solutions/surety/). The Baldwin Group; Surety advisor/client/insurer relationship descriptions lines 40–58; bond functions, bond forms and business sectors in “Surety Snapshot” and “Industry Coverage,” lines 60–150; accessed 2026-09-29.. Accessed 2026-09-30.

### Marsh McLennan Agency

4. [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.
5. [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.
6. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Contract surety and commercial surety sections; contract terms and commercial license/permit bonds.. Accessed 2026-09-30.

### Surety Bonds Guide

7. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
8. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
9. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
10. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
11. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## The Baldwin Group Reviews

Review Score: not enough ratings.

The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.



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

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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

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