Beazley vs Marsh McLennan Agency

Beazley says small technology and business-services companies can consider MediaTech, while MMA identifies itself as a business of Marsh and describes the future Marsh Agency as serving middle-market clients. MMA’s small-business page invites buyers to call for a quote; confirm the producer and terms for your account. 1,22,33,35

Introduction

Coverage Comparison

CoverageBeazleyMarsh McLennan Agency
Builders riskNot listedListed 32
Cargo and transitNot listedListed 29
Commercial autoNot listedListed 35
Commercial propertyListed 15Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.Listed 35
CrimeListed 11Beazley offers commercial crime insurance.Listed 27
Cyber liabilityListed 1,9Beazley offers cyber insurance for small and midsized businesses.Listed 35
Directors and officersListed 10Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.Listed 27
Employment practices liabilityListed 10Beazley offers employment practices liability insurance for private organizations through ExecuGuard.Listed 27
Fidelity bondsListed 11Beazley offers fidelity bonds for financial institutions.Not listed
Fiduciary liabilityListed 10Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.Listed 27
General liabilityListed 17,13Beazley offers general liability insurance in packages such as its environmental-services policy.Listed 35
Hired and non-owned autoListed 17Beazley offers hired and non-owned auto coverage within its environmental-services package.Not listed
Intellectual propertyNot listedListed 27
Kidnap and ransomNot listedListed 27
Management liabilityListed 10Beazley offers management liability insurance for private organizations through ExecuGuard.Not listed
Media liabilityListed 1Beazley offers media liability insurance through MediaTech for small technology and business-services companies.Listed 27
Medical malpracticeListed 13,14Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations.Not listed
Product liabilityListed 14Beazley offers product liability insurance for middle-to-large life-sciences organizations.Not listed
Product recallListed 16Beazley offers product recall insurance through its manufacturing risk product.Not listed
Professional errors and omissions (E&O)Listed 1,17Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.Listed 35
Representations and warrantiesListed 12Beazley offers representations and warranties insurance.Not listed
Surety bondsNot listedListed 36
Technology errors and omissions (E&O)Listed 1Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.Not listed
Virtual care and telehealthListed 13Beazley offers virtual care insurance for digital-health businesses.Not listed
Workers’ compensationNot listedListed 35

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.

Beazley

Hybrid provider

Broker

6.9/ 10

Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.

Carrier & MGA

5.5/ 10

Assessed provider: Beazley. Scope: Beazley's US activity at the named-entity level: Beazley USA Services, Inc. as the US insurance-services and producer entity, and Beazley Insurance Company, Inc., Beazley America Insurance Company, Inc. and Beazley Excess and Surplus Insurance, Inc. as the US insurers named in the US terms and ratings table. Authority and authorisation are verified in Georgia, Texas, Pennsylvania and Colorado only. No Beazley US programme has an evidenced carrier or reinsurance panel: the reviewed material maps no product to an issuing entity, so capacity is assessed at entity authorisation level and no programme-level capacity claim is made. Beazley plc group evidence is contextual, and Lloyd's syndicate ratings are excluded from the US entity assessment.

Provider assessment

Marsh McLennan Agency

Broker

No 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.

Beazley

Review Score

5.6/ 10

1 rated source

Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]

Read Beazley reviews

Marsh McLennan Agency

Review Score

-/ 10

MMA’s BBB profile reports four complaints in three years and no customer reviews across headquarters and corporate-owned locations. Broad Marsh ratings include household and non-U.S. experiences, so they cannot tell you how MMA serves commercial clients.[1][2][7]

Read Marsh McLennan Agency reviews

Key Differences Between Beazley and Marsh McLennan Agency (MMA)

Business Roles and Insurer Access

Beazley is a specialty insurance group. Beazley USA Services, Inc. is a distinct service entity; Beazley’s U.S. terms list its California insurance license number. The specific policy issuer depends on the underwriting company named for that product. 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. 5 6 22 33

Customer Focus and Application Route

Beazley says small technology and business-services companies can consider MediaTech. Its separate Life Sciences offering targets middle- to large-sized organizations. 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. 1 14 33 28

Beazley accepts MediaTech placement through third-party platforms or email. An application or submission is not acceptance or binding. 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. 1 35

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. 5 35

Compare Services

What each provider documents about the services you may need

CriteriaBeazleyMarsh McLennan Agency
Business role

Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. 5,6,7Company-reported. US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.

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. 30,21Verified. 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. 22Company-reported. Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role.

Customer focus

Small technology and business-services companies can consider MediaTech; digital-health buyers can look at Virtual Care, while Beazley’s Life Sciences offering targets middle and large organizations. 1,13,14Company-reported. Product-specific audiences; funding stage is not an eligibility criterion established by these sources.

MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. 33Company-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. 28Company-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

Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. 1,2Company-reported. Published small-business placement description and F00859 042022; no application submitted or binding time tested.

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. 35Company-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

Beazley Official Website

  1. MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
  2. Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
  3. Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
  4. Beazley MediaTech Renewal Application. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
  5. US Web Services Terms of Use. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
  6. US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
  7. Notify a Claim. Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
  8. Full Spectrum Cyber for Small Businesses. Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
  9. Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
  10. Crime and Fidelity. Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16.
  11. Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
  12. Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
  13. Life Sciences. Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16.
  14. North American Commercial Property. Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16.
  15. Product Recall – Manufacturing Risk and Response. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  16. Environmental Package Policy (BeazleyOne Environmental). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16.
  17. Beazley US Marine. Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16.
  18. US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  19. Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

Marsh McLennan Agency Official Website

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.

Updated . Tools for Enlightenment publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot