---
title: "Gallagher vs Marsh McLennan Agency: Professional Liability (E&O) Insurance"
description: "Gallagher describes E&O claims involving past work, temporary staff and independent contractors; MMA names E&O alongside separate lawyer and architect/engineer lines."
canonical: "https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "gallagher-vs-marsh-mclennan-agency"
provider-a: "gallagher"
provider-b: "marsh-mclennan-agency"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Gallagher 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 Gallagher 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:**
- Gallagher vs Marsh McLennan Agency for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Gallagher or Marsh McLennan Agency?
- What does Gallagher 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 Gallagher or Marsh McLennan Agency?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Gallagher 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:**
- [Gallagher vs Marsh McLennan Agency](https://spot.insure/compare/gallagher-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
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Gallagher vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Gallagher vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/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)

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

Gallagher describes E&O claims involving past work, temporary staff and independent contractors; MMA names E&O alongside separate lawyer and architect/engineer lines.

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

Use this comparison to evaluate Gallagher 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.

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

Gallagher says E&O can respond to claims involving past work, temporary staff and independent contractors, subject to the issued policy. MMA names E&O, A&E and lawyers professional lines. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [7](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [8](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. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

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

### Work history and people whose work may trigger a claim

Gallagher describes E&O claims involving past work, temporary staff and independent contractors, as well as legal costs for alleged professional-service losses; its record notes medical malpractice is handled as a separate specialized line. MMA’s source names general E&O and distinct lawyer and architect/engineer products. A business using contractors should compare the insured-person wording in the proposed form with Gallagher’s listed examples and identify any profession-specific MMA policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Scope by professional class

Gallagher recommends E&O for small businesses providing professional services and gives technology, accounting, tax, wealth-management and legal examples. MMA’s source lists E&O, A&E and lawyers lines as distinct suite offerings. A licensed profession should check whether a general E&O form or a specialized policy applies in either quote; ask for the carrier, prior-acts date and contractor definition in writing. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

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

- Does Gallagher’s proposed form include prior work and contractor claims for your profession? [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")
- Which MMA specialist line and insured-person definition fit the work and license involved? [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

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

| Criteria | Gallagher Small Business Errors and Omissions Insurance | Marsh McLennan Agency professional errors omissions (official overview) |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business E&O product page..) | Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. [9](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..) |
| Issuing Insurer | The E&O product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting..) | Organizations seeking professional liability placement; source does not imply all professions share one policy. [9](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 | Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line..)<br><br>Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page market-commentary section; a general market view, not a quote for any specific business..) | 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. [9](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 | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) | 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. [9](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 | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | 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. [9](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 Gallagher vs Marsh McLennan Agency

- [Gallagher vs Marsh McLennan Agency](https://spot.insure/compare/gallagher-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.
- [Gallagher vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/commercial-auto)
- [Gallagher vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/commercial-property)
- [Gallagher vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/crime)
- [Gallagher vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/cyber)
- [Gallagher vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/directors-officers)
- [Gallagher vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/employment-practices)
- [Gallagher vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/fiduciary)
- [Gallagher vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/general-liability)
- [Gallagher vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/kidnap-ransom)
- [Gallagher vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/surety-bonds)
- [Gallagher vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-marsh-mclennan-agency/workers-compensation)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/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 Gallagher vs Marsh McLennan Agency

### Sources About Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/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.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Sources About Marsh McLennan Agency

7. [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.
8. [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.
9. [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

10. [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.
11. [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.
12. [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.
13. [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.

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

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