Gallagher vs
Marsh McLennan Agency
Gallagher and MMA are both broad commercial insurance brokerages with technology and small-business routes. Gallagher’s published technology practice reaches startups through global firms and describes digital tools; MMA lists extensive industry and line services, while its small-business page invites a call. The useful comparison is the team, service model and insurer access proposed for the specific account. 2,15,28
Introduction
Coverage Comparison
| Coverage | Gallagher | Marsh McLennan Agency |
|---|---|---|
| Builders risk | Listed 11Gallagher arranges builders risk. | Listed 25 |
| Business owner’s policy | Listed 6Gallagher arranges business owner’s policies for small businesses. | Not listed |
| Cargo and transit | Not listed | Listed 22 |
| Commercial auto | Listed 6Gallagher arranges commercial auto insurance for small businesses. | Listed 28 |
| Commercial property | Listed 6Gallagher arranges commercial property insurance for small businesses. | Listed 28 |
| Crime | Listed 3Gallagher arranges crime insurance. | Listed 20 |
| Cyber liability | Listed 2Gallagher arranges cyber insurance. | Listed 28 |
| Directors and officers | Listed 3Gallagher arranges directors and officers liability. | Listed 20 |
| Employee health and benefits | Listed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA). | Not listed |
| Employment practices liability | Listed 3Gallagher arranges employment practices liability. | Listed 20 |
| Equipment breakdown | Listed 11Gallagher arranges boiler and machinery coverage through its property practice. | Not listed |
| Fidelity bonds | Listed 3Gallagher arranges fidelity bonds. | Not listed |
| Fiduciary liability | Listed 3Gallagher arranges fiduciary liability. | Listed 20 |
| General liability | Listed 6Gallagher arranges general liability insurance for small businesses. | Listed 28 |
| Intellectual property | Listed 2Gallagher arranges intellectual-property insurance. | Listed 20 |
| Kidnap and ransom | Listed 3Gallagher arranges kidnap and ransom insurance. | Listed 20 |
| Media liability | Not listed | Listed 20 |
| Product liability | Listed 2Gallagher arranges product liability insurance. | Not listed |
| Product recall | Listed 12Gallagher arranges product-recall insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 6Gallagher arranges professional errors and omissions insurance for small businesses. | Listed 28 |
| Representations and warranties | Listed 3Gallagher arranges representations and warranties insurance. | Not listed |
| Surety bonds | Listed 7Gallagher arranges surety bonds. | Listed 29 |
| Technology errors and omissions (E&O) | Listed 2Gallagher arranges technology errors and omissions insurance for technology businesses. | Not listed |
| Umbrella and excess liability | Listed 10Gallagher arranges umbrella and excess liability. | Not listed |
| Workers’ compensation | Listed 6Gallagher arranges workers’ compensation insurance for small businesses. | Listed 28 |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Gallagher
BrokerBroker
5.5/ 10Assessed provider: Gallagher. Scope: Arthur J. Gallagher Risk Management Services, LLC and the Gallagher brokerage activity evidenced by the current US small-business and technology materials, excluding Gallagher's carrier, claims-administration and unrelated group entities unless a policy or service relationship is specifically named.
Marsh McLennan Agency
BrokerBroker
No Spot Score
Assessment subject unavailable
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsMarsh McLennan Agency
Review Score
2 rated sources
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.[8][9][1]
Read Marsh McLennan Agency reviewsSimilar Breadth, Account-specific Teams
Gallagher says its technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT firms. MMA's industry directory lists technology-adjacent and broader sectors, and its company pages describe business insurance, benefits and other services. Those directories show stated focus, not eligibility or an assigned account team. Ask each brokerage who will lead your account, which legal producer is engaged and which insurers and specialists will be used for each line. 2 7 21 15
How a Buyer Starts
Gallagher's advisor inquiry asks for company, coverage, workforce and revenue details, and offers a call or scheduled conversation; the form does not establish instant binding or turnaround. MMA's small-business page lists six coverage categories and invites a call for a personalized quote; its embedded form's purpose is unclear. The entry points appear conversational on both sides. Compare what information is requested next, whether either team can provide the requested lines, and when it will return a written proposal. 8 9 28
Tools and Ongoing Service
Gallagher describes Go for client self-service, Submit for submissions and documents, and Verify for certificates. MMA's Tampa office page lists InsurLink and CSR24 for policy access and certificates at that location; that does not establish identical tools across MMA offices. Ask for a service schedule covering certificates, endorsements, renewal review, claim advocacy, and points of contact, then identify which tools are included in the engagement. 2 30 10 26
Compare Services
What each provider documents about the services you may need
| Criteria | Gallagher | Marsh McLennan Agency |
|---|---|---|
| Business role | Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. 2,3Company-reported. US commercial brokerage and technology practice; company descriptions, not an underwriting designation. Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. 1Company-reported. Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name. Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. 5,1Company-reported. Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion. | As of 2026-09-28, Marsh’s US legal-entity page lists Marsh & McLennan Agency LLC as the current entity name for Marsh Agency (formerly MMA) and Marsh Agency LLC as proposed, with displayed state completion statuses marked TBD. Louisiana’s regulator lists Marsh & McLennan Agency LLC as a producer agency with active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31. This is Louisiana-specific producer evidence, not evidence of an insurer role or nationwide licensing. 23,14Verified. Current entity name and proposed legal-name transition as listed on Marsh’s US legal-entity page, plus producer-authority evidence for Louisiana only, accessed 2026-09-28. No other state licensing was audited; this record does not establish an insurer or underwriting role. Marsh McLennan Agency describes itself as a business of Marsh and lists business insurance, employee health and benefits, retirement and wealth, and private-client insurance services across the United States and Canada. 15Company-reported. Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role. |
| Customer focus | Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. 2,7Company-reported. US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant. Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. 2,7,8Not publicly disclosed. Public pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum. | MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. 26Company-reported. Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold. MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. These are examples of stated sector focus, not a complete appetite or eligibility list. 21Company-reported. Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list. |
| Application process | You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. 8,9Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested. | MMA’s US small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability, and invites buyers to call 833-256-4266 for a personalized quote. The page also contains a small-business specialist form, but its function and any online application, purchase, or binding route are not established by the page reviewed. 28Company-reported. US small-business landing page only. The phone invitation does not establish quote speed, eligibility, online purchase or binding; the embedded specialist form's function was not established. |
| Servicing and renewals | Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. 2Company-reported. Company-described technology-practice tools; no logged-in testing or universal account entitlement. Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. 1Company-reported. Transition-page descriptions; no portal functionality tested. Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. 10Company-reported. Casualty-practice service description, not a promise for all small-business engagements. | MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. 26Company-reported. Only the announced Marsh Agency rebrand and its stated effect on existing clients; this does not document MMA’s general renewal workflow, renewal service level, or policy terms. MMA’s Tampa office page lists InsurLink for policy and endorsement access, CSR24 for certificates, carrier contact information for commercial and personal-lines claims, and a local-consultant contact route. 30Company-reported. Services and client tools listed on the Tampa, Florida office page only. The claims listing provides carrier contact information and does not establish that MMA adjusts claims. |
| Claims assistance | Gallagher describes specialized claims advocacy, including attorneys, for executive-risk customers working with insurers; this is support, not a guarantee of payment or claims quality. 3Company-reported. Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation. | On its business-interruption page, MMA says it will advocate with insurers for clients if complex claim issues arise. This is a company-reported service statement; it does not establish claim outcomes or an adjusting/payment role. 16Company-reported. Company-described support for complex claims in the business-income and contingent-business-interruption page context; not a promise of claim outcomes or evidence that MMA adjusts or pays claims. |
Sources
Gallagher Official Website
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
- Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
- Casualty Insurance. Gallagher; Holistic approach: Automobile, Workers Compensation, General and Product, Umbrella and Excess; customized excess casualty program design and placement; Robust casualty risk analysis. Accessed 2026-09-16.
- Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder’s risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
- Product Recall Insurance. Gallagher; Product Recall team paragraph: custom Product Recall, Product Contamination and Restaurant Contamination insurance, working directly with carriers; Product recall insurance coverage. Accessed 2026-09-16.
- AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.
Marsh McLennan Agency Official Website
- Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC. Louisiana Department of Insurance; Producer Agency Detail, lines 7-49: entity, producer-agency classification, license number, authorities and validity through 2028-03-31; lines 53-57: historical 2010 lapse/resume entries; lines 69-72: entity-record actions display. Accessed 2026-09-28.
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Business Interruption Insurance. Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
- Casualty. Marsh McLennan Agency; Lines 203-205 and 211-224: casualty advisory, claims advocacy, risk analytics and workers’ compensation. No adjusting or paying role established. Accessed 2026-09-29.
- Cyber. Marsh McLennan Agency; Lines 205-207: network security, privacy, technology and emerging cyber risks; lines 226-228: prepare, mitigate, respond, recover, claims advocacy and carrier liaison. Company-reported support, not outcomes or insurer identity. Accessed 2026-09-29.
- US and Canada Legal Entities. Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
- Executive and Professional Liability. Marsh McLennan Agency; Lines 204-210 name D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, architects and engineers, lawyers professional, kidnap and ransom; lines 211-213 explain D&O; following section explains EPL. Lists do not establish policy terms. Accessed 2026-09-29.
- Insurance Services for All Industries. Marsh McLennan Agency; National US industry directory, lines 209-252; examples include construction (219), financial institutions (224), healthcare (229), manufacturing (236), real estate (243), and transportation and trucking (252). Accessed 2026-09-28.
- International. Marsh McLennan Agency; Lines 204-206 and 228-231: international placement; business travel accident, control master, foreign package, K&R, political risk/trade credit, surety, marine cargo. Not a domestic availability guarantee. Accessed 2026-09-29.
- Marsh legal entities. Marsh; Marsh Agency formerly known as MMA, US entities and proposed-name status, lines 528-587: current Marsh & McLennan Agency LLC, proposed Marsh Agency LLC, listed state statuses TBD. Accessed 2026-09-28.
- Producer/Adjuster Search — producer agency detail. Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
- Property Insurance. Marsh McLennan Agency; Lines 205-210 describe commercial property and physical assets; property page coverage section also lists builders’ risk. Company marketing only; no policy wording, limits, exclusions, insurer, or eligibility. Accessed 2026-09-29.
- Rebranding to Marsh Agency. Marsh McLennan Agency; Accepted repaired inspection lines 215-224: account/team/contact and existing policy continuity through transition, legal name may appear at renewal. Transition statement only; not general renewal workflow. Accessed 2026-09-29.
- Business Insurance. Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Surety. Marsh McLennan Agency; Lines 205-207 and 224-233: surety, contract/commercial surety, and license/permit bonds. No surety carrier, collateral, price, or issuance time established. Accessed 2026-09-29.
- Tampa, Florida. Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
- Thompkins Masonic Insurance Program. Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.




