What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 6,7
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
What Are the Key Differences Between Gallagher and Marsh McLennan Agency D&O Insurance?
Public-market transition support
Gallagher specifically markets D&O advice for SPACs through IPO and de-SPAC stages and for companies going public through IPO or direct listing. Its team describes coordinating pre- and post-IPO D&O with lines such as representations and warranties, E&O, cyber and tax. MMA describes D&O for corporate executives, board members and organizations, without a transaction-specific process in its claim. Companies nearing a listing should ask MMA how it would structure each transaction stage. 3 8
Claims advocacy and program design
Gallagher says its practice has in-house attorneys on a dedicated claims-advocacy team and uses benchmarking, including review of Side-A-only limits, to shape programs. MMA describes D&O defense costs for civil and criminal actions and investigations, and directs buyers to an adviser. If claim support or Side A capacity is central, ask both teams how they would coordinate with insurers and counsel after notice. 3 8
What Should You Confirm in Gallagher and Marsh McLennan Agency D&O Insurance Quotes?
Gallagher and Marsh McLennan Agency Review Scores for 2026
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
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
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 reviewsGallagher vs Marsh McLennan Agency D&O Insurance Compared
Gallagher vs Marsh McLennan Agency: D&O Insurance: documented features by provider
| Criteria | Gallagher Directors and Officers (D&O) Liability Insurance | Marsh McLennan Agency directors officers (official overview) |
|---|---|---|
| Role in This Line | Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. 3Company-reported. Group-level executive-and-financial-risk practice page. | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. 8Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. 3Company-reported. Group-level executive-and-financial-risk practice page. | Confirm in your quote. |
| Who It’s For | Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. 3Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections. | Corporate executives, board members, and their organizations, as described by the source. 8Company-reported. directors officers 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 | Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. 3Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement. | The cited product page describes D&O for alleged wrongful acts by directors or officers, including described defense costs for civil and criminal actions and investigations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. directors officers 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 | The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. 3Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. 3Company-reported. Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment. | Confirm in your quote. |
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Sources for Gallagher vs Marsh McLennan Agency D&O Insurance
Sources About Gallagher
- 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.
- 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.
- Executive and Financial Risk Insurance. Gallagher; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Sources About Marsh McLennan Agency
- 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.
- 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.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Directors and Officers section; claims for alleged wrongful acts and defense costs. Accessed 2026-09-30.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
