---
title: "Beazley vs Marsh McLennan Agency: Commercial Property Insurance"
description: "Beazley underwrites commercial property and lists all-risk, named-peril, parametric, and political-violence options for mid-sized and large accounts; Marsh McLennan Agency arranges property coverage with terms set by placement."
canonical: "https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "beazley-vs-marsh-mclennan-agency"
provider-a: "beazley"
provider-b: "marsh-mclennan-agency"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Beazley and Marsh McLennan Agency for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Beazley 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:**
- Beazley vs Marsh McLennan Agency for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Beazley or Marsh McLennan Agency?
- What does Beazley or Marsh McLennan Agency publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from Beazley or Marsh McLennan Agency?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Beazley 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:**
- [Beazley vs Marsh McLennan Agency](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Beazley vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Commercial Property Insurance](https://spot.insure/compare/aig-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Beazley Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)

# Beazley vs Marsh McLennan Agency: How Do They Compare for Commercial Property Insurance?

Beazley underwrites commercial property and lists all-risk, named-peril, parametric, and political-violence options for mid-sized and large accounts; Marsh McLennan Agency arranges property coverage with terms set by placement.

## Research Scope and Use

Use this comparison to evaluate Beazley and Marsh McLennan Agency for Commercial Property Insurance 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

Beazley lists all-risk property, named-peril storm, flood and earthquake, parametric storm and earthquake, and standalone political-violence, terrorism, and deadly-weapons protection. MMA describes tailored property placement without a published list of endorsements. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## What Is Beazley?

Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [6](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](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 Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [11](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Coverage Structure and Terms

Beazley says it can write shared, layered, or quota-share structures and prefers to attach as a primary layer, but does not publish capacity amounts. MMA’s overview does not specify program structures. Large accounts should ask how much limit is available and where each layer attaches. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

### Program and Buyer Fit

Beazley targets mid-sized and large U.S. and Canadian accounts across real estate, retail, hospitality, healthcare, manufacturing, and warehousing, and describes in-house engineering underwriting for heavy industry. MMA leaves property eligibility to placement. Ask each team to confirm fit for the specific location and operations. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## What to Confirm in Commercial Property Insurance Quotes

- Ask Beazley which named-peril or parametric options, attachment points, and capacity apply to the account. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property")
- Ask MMA which insurers can consider your property class and whether layered capacity is available. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")
- Ask both providers to identify the issuing insurer, valuation basis, exclusions, limits, and deductibles in writing. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## Offering Details

| Criteria | Beazley North American Commercial Property | Marsh McLennan Agency commercial property (official overview) |
| --- | --- | --- |
| Role in This Line | Beazley underwrites this commercial property line itself, on an excess and surplus lines basis, rather than describing it as a brokered or program-administered product. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: North American Commercial Property product page; 'Who we can help' and 'How can we help' sections..) | Marsh McLennan Agency describes arranging commercial property for the audience stated on the cited product page. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | The product page does not name the specific Beazley entity that issues this commercial property coverage. The insurer named on an actual quote or policy controls. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Not publicly disclosed; scope: Product page as read on 2026-09-23; no issuing-entity disclosure found there..) | Confirm in your quote. |
| Who It’s For | Beazley targets mid-sized and large commercial accounts domiciled in the US and Canada, citing example industries such as commercial real estate, retail, hospitality, healthcare, manufacturing and warehousing/distribution. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: Who we can help and Where is this offered sections; smaller accounts and other geographies are not addressed..) | Commercial property organizations; exact property classes and terms are set through placement. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 | Coverage highlights listed are All Risk Property, Named Selected Peril for named storm, flood and earthquake, parametric coverage available for named storm and earthquake, and standalone coverage for political violence, terrorism and deadly weapons protection. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: Coverage highlights bullet list; exclusions, sublimits and triggers are not detailed on this page..) | The cited product page describes commercial property insurance tailored to an organization's industry and stated property risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 | Beazley says it can support manuscript and company coverage forms in shared, layered or quota-share program structures, with a stated preference for attaching as the primary layer, but does not publish specific limit, retention or capacity amounts. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: How can we help section; dollar figures are not disclosed and depend on the account..) | 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. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | 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 | Beazley describes an in-house engineering underwriting team for heavy-industry accounts, supporting underwriters who evaluate risk-management and safety investment. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: How can we help section; applies to underwriting support, not a distinct paid risk-services offering..) | Confirm in your quote. |
| How to Apply | The reviewed page does not describe an online application or quote process; it lists regional underwriters and product leaders as the contact points for the line. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23; access is implied to run through a broker and named underwriters rather than a documented self-serve process..) | 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. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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..) |
| Claims Support | Beazley describes a dedicated, award-winning claims team with experience across a range of industry sectors for this property line, without detailing claims-handling procedures or response-time commitments. [5](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") (Evidence: Company-reported; scope: How can we help section; outcome and timeliness statements are not independently verified..) | Confirm in your quote. |

## Full Comparison

- [Beazley vs Marsh McLennan Agency](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Beazley vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/crime)
- [Beazley vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/cyber)
- [Beazley vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/fiduciary)
- [Beazley vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/general-liability)
- [AIG vs Beazley Commercial Property Insurance](https://spot.insure/compare/aig-vs-beazley/commercial-property)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property)
- [Alliance Risk vs Beazley Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/commercial-property)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property)
- [Aon vs Beazley Commercial Property Insurance](https://spot.insure/compare/aon-vs-beazley/commercial-property)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/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. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-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.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; What we offer: Coverage highlights (All Risk Property, Named Selected Peril, Parametric coverage, standalone Political Violence/Terrorism/Deadly Weapons Protection); How can we help; Who we can help; Where is this offered. Accessed 2026-09-23.

### Marsh McLennan Agency

6. [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.
7. [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.
8. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property insurance tailored to industry and unique risks; property page sections.. Accessed 2026-09-30.

### Commercial Property Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
11. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your 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.

## Beazley Reviews

Review Score: 5.6 / 10 from 1 rated source, equally weighted.

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.

- WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/beazley/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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-marsh-mclennan-agency/commercial-property.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)