--- title: "Coterie vs Marsh" description: "Compare Coterie’s agent-distributed small-business policies with Marsh’s broader placement services as a business adds locations and employees." canonical: "https://spot.insure/compare/coterie-vs-marsh" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Coterie Insurance", "Marsh"] --- [Human-readable page](https://spot.insure/compare/coterie-vs-marsh) # Coterie vs Marsh Compare Coterie’s agent-distributed small-business policies with Marsh’s broader placement services as a business adds locations and employees. ## Research Scope and Use Use this comparison to evaluate Coterie Insurance and Marsh against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Coterie is an MGA offering small-business BOP, general liability and MPL through agents. Marsh brokers insurance programs, including property, casualty and benefits through Marsh McLennan Agency. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [46](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") ## Introduction Coterie offers small-business insurance through agents, with a business owner’s policy, general liability and miscellaneous professional liability as its core products. Marsh arranges insurance with carriers; its Marsh McLennan Agency subsidiary offers broader business and benefits services. A business adding offices or employees should compare how each proposed arrangement handles those changes, not just its first-location premium. [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [46](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [52](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") ## Documented Provider Strengths ### Coterie Insurance - Agents can use prefilled business details to customize quotes and bind eligible small-business policies in one dashboard. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.; verified: 2026-09-15.) - Policyholders can access documents, generate certificates, request changes and start claims online, with their agent handling coverage questions. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.; verified: 2026-09-15.) ### Marsh - Marsh brokers insurance and advises on risk for companies across industries, with a Technology Practice and a US/Canada middle-market path through Marsh McLennan Agency. [24](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [26](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [43](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) - Marsh places cyber insurance through a dedicated practice and markets large digital-infrastructure property placements through Stratus, alongside MMA executive, property, casualty and benefits brokerage. [31](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [47](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [26](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Coterie Insurance | Marsh | | --- | --- | --- | | Builders risk | Not listed | Listed [49](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | | Business owner’s policy | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") | Not listed | | Commercial property | Not listed | Listed [49](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | | Crime | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Cyber liability | Not listed | Listed [31](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [47](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | | Directors and officers | Not listed | Listed [34](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Employee health and benefits | Not listed | Listed [52](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [45](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | | Employment practices liability | Not listed | Listed [35](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Equipment breakdown | Not listed | Listed [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Fidelity bonds | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Fiduciary liability | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | General liability | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [3](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/ "General Liability Insurance for Small Business") | Listed [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Intellectual property | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Kidnap and ransom | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Management liability | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [37](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | | Media liability | Not listed | Listed [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Professional liability / E&O | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") | Listed [36](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Surety bonds | Not listed | Listed [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [51](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | | Technology errors and omissions | Not listed | Listed [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [36](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | | Workers’ compensation | Not listed | Listed [50](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Coterie Insurance and Marsh ### The Agent and the Product Perform Different Jobs Coterie is a managing general agency: its platform helps agents quote and bind eligible risks, while carrier partners issue the policies. Marsh’s brokerage role involves selecting markets and negotiating the placement. These are not two interchangeable adviser relationships. Ask who will review the business’s needs and coordinate any policies outside the proposed Coterie products. No particular Marsh access to Coterie is established here. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") ### Each Location Changes the Comparison Coterie’s policyholder FAQ calls for a separate policy for each business location. Its BOP appetite also has revenue, employee and property limits. Marsh McLennan Agency describes property program design rather than that specific policy structure. Request a location-by-location schedule on both proposals, including limits and fees; do not assume one Marsh policy will automatically cover every site. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [49](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") ### Hiring Introduces a Separate Coverage Need Coterie explicitly says it does not write workers’ compensation or automobile policies. Optional endorsements should not be mistaken for those standalone policies. MMA offers workers’ compensation within its casualty services and separately markets employee benefits. An agent can still arrange other coverage outside Coterie; ask who owns that work and whether the proposal includes it. [11](https://coterieinsurance.com/claims/ "Claims") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [50](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [52](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") ## What to Confirm in Quotes List every operating location, employee group and professional activity. Confirm California acceptance for each policy and current MPL eligibility, since Coterie’s broad marketing and product guide differ. Itemize policy, installment and risk-program fees alongside brokerage compensation before comparing the annual total. [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## Service Comparison Coterie vs Marsh: documented services and availability. | Criteria | Coterie Insurance | Marsh | | --- | --- | --- | | Business role | Coterie Insurance is a managing general agency and digital small-business insurance platform built primarily for licensed agents, brokers and distribution partners. It is not a direct-to-consumer insurance marketplace; a business owner is directed to work with an agent. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [19](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/ "Allianz X Announces Strategic Investment in Coterie Insurance") (Evidence: Company-reported; scope: Current public positioning of the Coterie brand and platform; does not establish the risk-bearing insurer for a policy.; verified: 2026-09-15.)

Coterie Applications, Inc. provides the platform under the website terms. Florida's current corporate record lists it as the member of Coterie Insurance Agency, LLC, the agency named in Coterie's footer; Massachusetts separately lists the agency with an active property-and-casualty producer license through December 28, 2026. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [22](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC "Coterie Insurance Agency, LLC Entity Record") [23](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property and Casualty Agencies") (Evidence: Verified; scope: Corporate relationship and one regulator-confirmed producer license; not a nationwide license audit and not proof of product availability.; verified: 2026-09-15.)

Coterie's website lists multiple investors, and Allianz X records Coterie as a current direct investment after leading a 2025 Series C round. The reviewed sources do not establish an acquisition, a controlling parent or Coterie's complete current ownership table. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [19](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/ "Allianz X Announces Strategic Investment in Coterie Insurance") [20](https://allianzx.com/ "Allianz X Portfolio and News") [22](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC "Coterie Insurance Agency, LLC Entity Record") (Evidence: Not found in reviewed sources; scope: Public investor and corporate sources reviewed through September 15, 2026; beneficial ownership was not independently established.; verified: 2026-09-15.) | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [25](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [42](https://affinity.marsh.com/affinity/licensing.html "Licensing") [43](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [24](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [54](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; verified: 2026-09-16.) | | Coverage lines | Coterie's current core catalogue consists of a business owner's policy (BOP), standalone general liability and miscellaneous professional liability (MPL/E&O). A BOP combines liability with property coverage; the other two are distinct policies. [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [4](https://coterieinsurance.com/insurance/business-owners-policy/ "Business Owner's Policy for Small Businesses") [3](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/ "General Liability Insurance for Small Business") [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") (Evidence: Company-reported; scope: Current direct product pages and December 2025 product guides reviewed; optional endorsements are recorded separately rather than treated as standalone lines.; verified: 2026-09-15.)

Coterie's December 2025 BOP guide states eligibility of up to $10 million in revenue and 50 employees, reduced to $5 million and 15 employees for contractors. It lists up to $1 million in building value and $500,000 in business personal property, with limits and availability still varying by state, industry and quote. [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: December 2025 agent brochure; marketing summary, not policy wording or an eligibility guarantee.; verified: 2026-09-15.)

Coterie currently markets cyber, workplace violence, employment practices liability, restaurant, liquor liability and contractors equipment endorsements. Its BOP guide also lists optional hired and non-owned auto liability, equipment breakdown, drone liability and other property extensions. These are optional additions, not evidence of separate standalone policies. [12](https://coterieinsurance.com/producer-resources/coterie-insurance-endorsements/ "Coterie Insurance Endorsements") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [15](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Cyber%20Insurance%20Product%20Overview.pdf "Cyber Insurance Overview") [16](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Workplace%20Violence%20Product%20brochure.pdf "Workplace Violence Insurance Overview") (Evidence: Company-reported; scope: April 2026 endorsement directory and December 2025 BOP guide; selection depends on base product, business class, state and underwriting.; verified: 2026-09-15.)

Coterie's MPL is a claims-made professional liability policy for listed service professions. Its current guide says the basic policy includes a 60-day extended reporting period and offers longer periods for purchase; retroactive coverage and limits depend on the selected terms and eligibility. [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: December 2025 MPL guide; an actual proposal and policy control coverage.; verified: 2026-09-15.)

Coterie's claims page expressly says it does not write workers' compensation or automobile policies. Hired and non-owned auto appears only as an optional liability endorsement in the BOP guide and should not be read as commercial auto physical-damage coverage. [11](https://coterieinsurance.com/claims/ "Claims") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") (Evidence: Company-reported; scope: Current claims FAQ and BOP guide; does not address products another agent or partner may place outside Coterie.; verified: 2026-09-15.) | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [31](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [47](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [27](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [26](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [34](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [35](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [36](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [48](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [37](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL in this draft.; verified: 2026-09-16.)

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [46](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [49](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [50](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [51](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [52](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; verified: 2026-09-16.) | | Application process | A licensed agent starts a quote in Coterie's dashboard with the client's business name and address, selects the principal industry, confirms or edits prefilled details, customizes coverage and pays to bind an eligible policy. Business owners who do not already have an agent can use Coterie's agent finder. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.; verified: 2026-09-15.)

Coterie advertises bindable quotes in under two minutes for eligible standard risks. Its terms qualify that claim: a quote or estimate is not an insurance contract, and coverage remains subject to underwriting approval, eligibility verification and formal policy issuance. [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Marketing speed statement and controlling website terms; no independent timing test was performed.; verified: 2026-09-15.) | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [38](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [39](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [44](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | | Access to insurers | Coterie's terms say carrier partners underwrite and issue its policies. Its claims page identifies a separate Spinnaker Specialty route for surplus-lines policies beginning CSE, while its current coastal guide names Spinnaker Insurance Company only for eligible coastal Texas BOP risks. The issuing insurer therefore needs to be checked on each quote and policy. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [11](https://coterieinsurance.com/claims/ "Claims") [17](https://coterieinsurance.com/blog/coterie-coastal-business-insurance-appetite/ "Coterie's Coastal Business Insurance Appetite") (Evidence: Company-reported; scope: Public carrier disclosures reviewed for the general platform, surplus-lines claim routing and the September 2026 coastal Texas BOP program; not an exhaustive carrier map.; verified: 2026-09-15.) | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [46](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [28](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [42](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; verified: 2026-09-16.) | | Fees and compensation | Coterie's terms say new and renewal policies have a one-time policy fee whose amount varies, successful installments carry a $7 fee, late fees can be up to $10 and insufficient-funds fees up to $35. Fees vary by state and line, can be nonrefundable, and additional charges must be disclosed before bind or renewal. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Website fee terms effective December 16, 2025; not every fee applies to every policy or state.; verified: 2026-09-15.)

A Coterie policy can include a separate Manage My Risk Program fee that the terms call fully earned on payment and nonrefundable after midterm cancellation. The terms say participation, or an accepted outside risk program, affects the insurance premium but do not publish the program fee amount. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Manage My Risk Program terms effective December 16, 2025; applicability and the quoted fee require account-specific disclosure.; verified: 2026-09-15.)

Coterie's privacy policy says it may pay commissions to certain agents through a third-party processor. The reviewed public sources do not state the commission rate or whether additional producer compensation applies to a particular buyer's policy. [9](https://coterieinsurance.com/legal/privacy/ "Privacy Policy") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public privacy and platform terms; no producer agreement or account-specific compensation disclosure was reviewed.; verified: 2026-09-15.) | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [41](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [40](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [53](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; verified: 2026-09-16.) | ## Related Reading - [What Is Coterie Insurance?](https://spot.insure/insurance-providers/coterie) - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) ## Related Comparisons - [Alliance Risk vs Coterie Insurance](https://spot.insure/compare/alliance-risk-vs-coterie) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Amelia Risk vs Coterie](https://spot.insure/compare/amelia-risk-vs-coterie) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Armilla vs Coterie Insurance](https://spot.insure/compare/armilla-vs-coterie) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [At-Bay vs Coterie Insurance](https://spot.insure/compare/at-bay-vs-coterie) - [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) - [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - 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[Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) - [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi) - [Marsh vs Vouch](https://spot.insure/compare/marsh-vs-vouch) - [Marsh vs WithCoverage](https://spot.insure/compare/marsh-vs-withcoverage) ## Sources ### [Coterie Insurance Official Website](https://coterieinsurance.com/) 1. [About Coterie Insurance](https://coterieinsurance.com/about/). Coterie Insurance; Agent and broker focus; company history; investors; agency name, NPN and Wisconsin license in footer. Accessed 2026-09-15. 2. [Insurance for Small Businesses](https://coterieinsurance.com/insurance/). Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections; agent distribution; footer agency disclosure. Accessed 2026-09-15. 3. [General Liability Insurance for Small Business](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/). Coterie Insurance; How General Liability Insurance Works and Common Questions sections. Accessed 2026-09-15. 4. [Business Owner's Policy for Small Businesses](https://coterieinsurance.com/insurance/business-owners-policy/). Coterie Insurance; Package components and exclusions from the typical BOP description. Accessed 2026-09-15. 5. [Agents and Business Insurance Brokers](https://coterieinsurance.com/business-insurance-brokers/). Coterie Insurance; How It Works steps; nationwide product statement; dashboard service statement. Accessed 2026-09-15. 6. [Instant Bindable Small Business Insurance Quotes for Agents](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/). Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15. 7. [Quick Start: Quote and Bind Small Business Insurance With Coterie](https://coterieinsurance.com/blog/quick-start-quote-bind-small-business-insurance-with-coterie/). Coterie Insurance; Five-Step Quote-to-Bind Workflow and Does Coterie Work in All 50 States sections. Accessed 2026-09-15. 8. [Terms and Conditions](https://coterieinsurance.com/legal/terms-and-conditions/). Coterie Insurance; Effective December 16, 2025; Sections 1, 5, 6 and 10. Accessed 2026-09-15. 9. [Privacy Policy](https://coterieinsurance.com/legal/privacy/). Coterie Insurance; Introduction; Section 6, Payment and Commissions Processing; carrier privacy links. Accessed 2026-09-15. 10. [Policyholder Resources](https://coterieinsurance.com/policyholder-resources/). Coterie Insurance; Account, policy-change, certificate, claims, multiple-location and sample-policy sections. Accessed 2026-09-15. 11. [Claims](https://coterieinsurance.com/claims/). Coterie Insurance; Reporting routes; response timing; settlement timing; excluded workers' compensation and auto claims; cyber and workplace-violence FAQs. Accessed 2026-09-15. 12. [Coterie Insurance Endorsements](https://coterieinsurance.com/producer-resources/coterie-insurance-endorsements/). Coterie Insurance; Cyber, Workplace Violence, Employment Practices, Restaurant, Liquor Liability and Contractors Equipment list; product caveat. Accessed 2026-09-15. 13. [BOP Product Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf). Coterie Insurance; Pages 1-5: eligibility criteria, base property and liability coverages, additional extensions and mandatory forms. Accessed 2026-09-15. 14. [Miscellaneous Professional Liability Policy Overview and Product Highlights](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf). Coterie Insurance; Pages 1-7: eligible professions, unavailable jurisdictions, limits, claims-made terms and exclusions. Accessed 2026-09-15. 15. [Cyber Insurance Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Cyber%20Insurance%20Product%20Overview.pdf). Coterie Insurance; Pages 1-2: coverage, criteria, limits and Cyberscout services. Accessed 2026-09-15. 16. [Workplace Violence Insurance Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Workplace%20Violence%20Product%20brochure.pdf). Coterie Insurance; Pages 1-2: endorsement status, criteria, services and limits. Accessed 2026-09-15. 17. [Coterie's Coastal Business Insurance Appetite](https://coterieinsurance.com/blog/coterie-coastal-business-insurance-appetite/). Coterie Insurance; September 11, 2026 state-by-state coastal BOP eligibility, limits, exclusions and Texas carrier statement. Accessed 2026-09-15. 18. [Current Moratoriums](https://coterieinsurance.com/producer-resources/current-moratoriums/). Coterie Insurance; Active BOP catastrophe moratoriums, updated September 2-4, 2026; effect on new business and changes. Accessed 2026-09-15. 19. [Allianz X Announces Strategic Investment in Coterie Insurance](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/). Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15. 20. [Allianz X Portfolio and News](https://allianzx.com/). Allianz X; Current Direct Investments and September 11, 2025 Coterie strategic-investment entry. Accessed 2026-09-15. 21. [Coterie BOP and GL Products Available Through Progressive](https://coterieinsurance.com/newsroom/press-releases/coterie-insurance-collaboration-with-progressive-insurance/). Coterie Insurance; November 20, 2025 agency relationship and Progressive BusinessQuote Explorer distribution scope. Accessed 2026-09-15. 22. [Coterie Insurance Agency, LLC Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC). Florida Department of State, Division of Corporations; Active foreign LLC record; January 6, 2026 annual report; Coterie Applications, Inc. listed as member. Accessed 2026-09-15. 23. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Coterie Insurance Agency, LLC; license 19000811; approval period December 28, 2025 through December 28, 2026. Accessed 2026-09-15. ### [Marsh Official Website](https://www.marsh.com/en/home.html) 24. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 25. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16. 26. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; listed practice links including data center insurance, fintech, Stratus; Talk to us contact CTA. FAQ coverage questions treated as educational, not catalogue proof.. Accessed 2026-09-16. 27. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage (property, casualty, technology E&O); surety for PPA and interconnection; FAQ typical covers: property damage, equipment breakdown, business interruption, cyber, general liability. Accessed 2026-09-16. 28. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16. 29. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. No line-by-line US product schedule.. Accessed 2026-09-16. 30. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ describing possible policy parts, not a guarantee. Accessed 2026-09-16. 31. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 32. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 33. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16. 34. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16. 35. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16. 36. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 37. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL (educational context for the practice page). Accessed 2026-09-16. 38. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; JSON-LD legalName Marsh LLC; link to business-form.html. Inspected 16 September 2026; no form submitted.. Accessed 2026-09-16. 39. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path noted for certificates, policies and billing. Embedded form iframe not fully field-mapped; no submission.. Accessed 2026-09-16. 40. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16. 41. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; Copyright © 2024, Marsh LLC. Accessed 2026-09-16. 42. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153; Amazon program administrator role and Victor wholesale/MGA language are program-specific and not treated as the default Marsh retail role. Accessed 2026-09-16. 43. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 44. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 45. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16. 46. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16. 47. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16. 48. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policies include D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, and kidnap and ransom; coverage subsections for D&O, EPL and cyber. Accessed 2026-09-16. 49. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property; flood, windstorm, wildfire, earthquake options; builders’ risk; claims advocacy; captives and parametric options. Accessed 2026-09-16. 50. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program design; Claims Management; Workers’ Compensation subsection describing WC as coverage for on-the-job injury. Accessed 2026-09-16. 51. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 52. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Employee benefits consulting positioning; implementation of employee benefits solutions. Accessed 2026-09-16. 53. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for 2026 MMA Compensation Guide download and premium-finance disclosure; PDF body not fully extracted (download redirected). Compensation types for MMA therefore rest primarily on the Marsh US guide’s MMA statements.. Accessed 2026-09-16. 54. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Historical enforcement caption, not a 2026 license-status verification.. Accessed 2026-09-16. 55. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public search interface retrieved 16 September 2026; no authenticated license-detail record for 437153 was returned in this research (no captcha completion). No current status conclusion drawn.. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coterie-vs-marsh.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)