---
title: "Embroker vs Marsh McLennan Agency: Professional Liability (E&O) Insurance"
description: "Embroker lists standalone general E&O apart from lawyer and bundled technology E&O products and offers aggregate-deductible or first-dollar-defense choices; MMA names distinct professional lines."
canonical: "https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "embroker-vs-marsh-mclennan-agency"
provider-a: "embroker"
provider-b: "marsh-mclennan-agency"
coverage-line: "professional-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Embroker and Marsh McLennan Agency for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance questions about Embroker 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:**
- Embroker vs Marsh McLennan Agency for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Embroker or Marsh McLennan Agency?
- What does Embroker or Marsh McLennan Agency publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from Embroker or Marsh McLennan Agency?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Embroker 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Embroker vs Marsh McLennan Agency](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Embroker vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Embroker vs Marsh McLennan Agency: How Do They Compare for Professional Liability (E&O) Insurance?

Embroker lists standalone general E&O apart from lawyer and bundled technology E&O products and offers aggregate-deductible or first-dollar-defense choices; MMA names distinct professional lines.

## How to Use the Embroker vs Marsh McLennan Agency Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Embroker and Marsh McLennan Agency for Professional Liability (E&O) 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.

## Embroker vs Marsh McLennan Agency Professional Liability (E&O) Insurance Summary

Embroker describes standalone E&O separate from lawyer and bundled technology E&O products, with aggregate-deductible or first-dollar-defense options. MMA names E&O, A&E and lawyers professional lines. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What Is Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between Embroker and Marsh McLennan Agency Professional Liability (E&O) Insurance?

### Product category and deductible design

Embroker describes general professional liability as separate from its lawyers liability and bundled technology E&O/cyber product. It says buyers can choose an aggregate deductible or a first-dollar-defense option, where the deductible applies only to damages rather than legal costs; specific amounts depend on underwriting. MMA’s source names E&O and separate A&E and lawyers lines. Compare the forms and deductible choices for the same professional services. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Losses handled by other policies

Embroker says its general E&O does not cover personal injury or property damage, cyberattacks, employee injuries or discrimination claims, directing those risks to other lines. MMA’s source identifies several professional categories, including lawyer and A&E liability. If your work can produce both financial and physical-loss allegations, compare the E&O form with the separate GL, cyber or employment coverage in each placement. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What Should You Confirm in Embroker and Marsh McLennan Agency Professional Liability (E&O) Insurance Quotes?

- Which deductible option and excluded loss categories appear in Embroker’s proposed form? [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")
- Which MMA specialist form and related GL, cyber or employment placements address the same exposures? [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Embroker vs Marsh McLennan Agency Professional Liability (E&O) Compared

| Criteria | Embroker Professional Liability Insurance | Marsh McLennan Agency professional errors omissions (official overview) |
| --- | --- | --- |
| Role in This Line | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Who It’s For | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business..) | Organizations seeking professional liability placement; source does not imply all professions share one policy. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions 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 | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections..) | The cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions 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 | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend 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. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | 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 | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research..) | 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. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions 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..) |

## Related Pages for Embroker vs Marsh McLennan Agency

- [Embroker vs Marsh McLennan Agency](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Embroker vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/commercial-auto)
- [Embroker vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/commercial-property)
- [Embroker vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/crime)
- [Embroker vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/cyber)
- [Embroker vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/directors-officers)
- [Embroker vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/employment-practices)
- [Embroker vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/fiduciary)
- [Embroker vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/general-liability)
- [Embroker vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/surety-bonds)
- [Embroker vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency/workers-compensation)
- [AIG vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/professional-errors-omissions)
- [AIG vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/professional-errors-omissions)
- [Alliance Risk vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/professional-errors-omissions)
- [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions)
- [Aon vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-embroker/professional-errors-omissions)
- [Aon vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions)

## Sources for Embroker vs Marsh McLennan Agency

### Sources About Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Professional Liability Insurance Coverage & Quotes](https://www.embroker.com/coverage/professional-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible?. Accessed 2026-09-23.

### Sources About Marsh McLennan Agency

5. [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.
6. [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.
7. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; E&O, architects and engineers, and lawyers professional lines are named in the policy suite.. Accessed 2026-09-30.

### Sources for the Professional Liability (E&O) Insurance Guide

8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
9. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

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

## Marsh McLennan Agency Review Scores for 2026

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/embroker-vs-marsh-mclennan-agency/professional-errors-omissions.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)