---
title: "CFC vs Marsh McLennan Agency: Commercial Property Insurance"
description: "CFC bundles building, contents, and resulting business interruption in a Property & Casualty policy with a published property limit up to $10 million; Marsh McLennan Agency describes tailored property placement without a universal limit."
canonical: "https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cfc-vs-marsh-mclennan-agency"
provider-a: "cfc"
provider-b: "marsh-mclennan-agency"
coverage-line: "commercial-property"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC 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 CFC 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:**
- CFC vs Marsh McLennan Agency for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, CFC or Marsh McLennan Agency?
- What does CFC 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 CFC or Marsh McLennan Agency?

**Key facts:**
- Line: Commercial Property Insurance. Providers: CFC 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:**
- [CFC vs Marsh McLennan Agency](https://spot.insure/compare/cfc-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
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [CFC vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [CFC vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [CFC vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/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 CFC Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/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 CFC Commercial Property Insurance](https://spot.insure/compare/aon-vs-cfc/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)

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

CFC bundles building, contents, and resulting business interruption in a Property & Casualty policy with a published property limit up to $10 million; Marsh McLennan Agency describes tailored property placement without a universal limit.

## Research Scope and Use

Use this comparison to evaluate CFC 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

CFC combines commercial property and general liability in one Property & Casualty policy; its property section covers building repair, contents, and resulting business interruption, with a stated limit up to $10 million. MMA describes property coverage tailored to industry and risks, with limits set through placement. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## What Is CFC Insurance?

CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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. [8](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [9](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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [13](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Coverage Structure and Terms

CFC favors manufacturers, distributors, professional services, e-commerce, and retail, while ordinarily declining several categories such as bars, manual contractors, aviation, and tour operators. MMA says exact classes are placement-specific. Businesses outside CFC’s listed appetite should ask MMA which markets may fit. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

### Program and Buyer Fit

CFC lists optional legal-expense, cyber/privacy, and product-recall extensions and names a dedicated property claims team lead. MMA does not describe bundled extensions or a claims structure in the reviewed record. Ask who handles property claims and whether related extensions sit on the same policy. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## What to Confirm in Commercial Property Insurance Quotes

- Ask CFC whether the property limit up to $10 million is adequate and how the policy treats business interruption after damage. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")
- Ask MMA for the proposed limit, property valuation basis, and any available cyber or recall extensions. [10](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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## Offering Details

| Criteria | CFC Property & Casualty | Marsh McLennan Agency commercial property (official overview) |
| --- | --- | --- |
| Role in This Line | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings..) | Marsh McLennan Agency describes arranging commercial property for the audience stated on the cited product page. [10](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 reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Property & casualty product page and brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations..) | Confirm in your quote. |
| Who It’s For | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting..) | Commercial property organizations; exact property classes and terms are set through placement. [10](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 | CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued..)<br><br>Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Coverage enhancements" list; availability depends on underwriting..) | 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. [10](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 | CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits" section; the limit actually issued depends on underwriting..) | 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. [10](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..) |
| 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. [10](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 | CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property..) | Confirm in your quote. |

## Full Comparison

- [CFC vs Marsh McLennan Agency](https://spot.insure/compare/cfc-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.
- [CFC vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/crime)
- [CFC vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/cyber)
- [CFC vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency/general-liability)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/commercial-property)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property)
- [Alliance Risk vs CFC Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/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 CFC Commercial Property Insurance](https://spot.insure/compare/aon-vs-cfc/commercial-property)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
6. [Property & casualty | Product brochure | United States](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf). CFC; At a glance; Property, contents and business interruption cover; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Dean Plumridge, Claims Team Leader, Property and Casualty. Accessed 2026-09-23.

### Marsh McLennan Agency

8. [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.
9. [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.
10. [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

11. [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.
12. [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.
13. [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.

## CFC Reviews

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

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