--- title: "Gallagher vs Marsh" description: "Compare Gallagher and Marsh on executive-risk planning, renewal coordination and the specific team behind a technology-company engagement." canonical: "https://spot.insure/compare/gallagher-vs-marsh" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Gallagher", "Marsh"] --- [Human-readable page](https://spot.insure/compare/gallagher-vs-marsh) # Gallagher vs Marsh Compare Gallagher and Marsh on executive-risk planning, renewal coordination and the specific team behind a technology-company engagement. ## Research Scope and Use Use this comparison to evaluate Gallagher and Marsh against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Gallagher offers technology and executive-risk brokerage, including support for IPOs and direct listings. Marsh offers technology and management-liability placement through distinct US service segments. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") ## Introduction Gallagher offers technology and executive-risk brokerage, including support for IPOs and direct listings. Marsh offers technology-sector advice and D&O program design for private and public companies. For a business approaching a financing or listing, compare the proposed team’s responsibilities, policy work and renewal plan rather than choosing on the breadth of either group’s catalogue. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") ## Documented Provider Strengths ### Gallagher - Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.) - Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.) ### Marsh - Marsh brokers insurance and advises on risk for companies across industries, with a Technology Practice and a US/Canada middle-market path through Marsh McLennan Agency. [14](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; verified: 2026-09-16.) - Marsh places cyber insurance through a dedicated practice and markets large digital-infrastructure property placements through Stratus, alongside MMA executive, property, casualty and benefits brokerage. [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Gallagher | Marsh | | --- | --- | --- | | Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Listed [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | | Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed | | Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed | | Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | | Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | | Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [42](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [35](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | | Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Management liability | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [27](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | | Media liability | Not listed | Listed [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed | | Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed | | Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed | | Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [41](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | | Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | | Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Not listed | | Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [40](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Gallagher and Marsh ### Executive-Risk Expertise Must Become a Deliverable Gallagher describes executive coverage and specialized claims advocates; Marsh describes D&O design and broader financial and professional liability advice. Ask which team will review the anticipated ownership and board changes, compare forms and address transition dates. A practice’s experience with public-company work does not establish that every proposed policy suits the transaction or includes all pre-transaction activity. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [27](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") ### Existing Relationships Need a Continuity Check Woodruff Sawyer is now part of Gallagher, whose transition page retains access to legacy client portals. Former clients should confirm their current producer and service team rather than treating Woodruff Sawyer as a separate competing broker. Marsh also operates through distinct US segments, including MMA. Identify the actual engagement on each side before comparing promised resources or deciding to move the account. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ### Renewal Coordination Needs People as Well as Tools Gallagher’s casualty practice describes pre-renewal meetings across finance, HR, operations and risk management, while its technology practice markets submission and certificate tools. Those services are not automatically included in every small-business engagement. Marsh’s advisory scope likewise depends on its agreement. Ask for a shared renewal calendar, named decision makers and the specific documents each team will deliver. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## What to Confirm in Quotes Request the producer, California acceptance, issuing insurers and proposed D&O and technology forms. Compare the agreed service scope with all commissions, fees and affiliated-placement remuneration. Marsh’s contingent-compensation treatment differs by segment, while Gallagher also discloses possible contingent and supplemental payments; obtain the terms relevant to this account. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## Service Comparison Gallagher vs Marsh: documented services and availability. | Criteria | Gallagher | Marsh | | --- | --- | --- | | Business role | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)

Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [15](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [32](https://affinity.marsh.com/affinity/licensing.html "Licensing") [33](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [14](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [44](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; verified: 2026-09-16.) | | Coverage lines | Gallagher’s technology offering lists technology errors and omissions combined with cyber liability, intellectual property insurance, D&O, product liability and business interruption, plus employee-benefits services. These are marketed options, not a guaranteed package. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: US technology service catalogue; no insurer, limits or California-specific wording established.; verified: 2026-09-16.)

Its executive-risk practice lists D&O, employment practices liability, fiduciary liability, crime, fidelity bonds, kidnap/ransom, and M&A representations and warranties insurance, with support for IPOs and direct listings. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

The small-business catalogue includes a business owner’s policy, general liability, professional E&O, commercial property, auto, workers’ compensation, D&O, cyber, crime, employee benefits, flood and earthquake. The IT-business page also lists surety bonds. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US direct offering menus; flood and earthquake lack dedicated shared schema keys; no universal availability inferred.; verified: 2026-09-16.)

Gallagher also markets umbrella/excess liability through its casualty practice, builders risk and boiler-and-machinery coverage through its property practice, and separately negotiated product recall coverage. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") (Evidence: Company-reported; scope: US direct service pages; boiler and machinery mapped to equipment-breakdown; product recall is separately sourced, not inferred from product liability.; verified: 2026-09-16.)

The reviewed AI Insurance Solutions page discusses AI adoption, governance and emerging exposures, but does not establish a standalone generative-AI liability policy or its California availability. [13](https://www.ajg.com/insurance/ai-insurance-solutions/ "AI Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Main US AI service page text; embedded third-party interactive experience was not inspected.; verified: 2026-09-16.) | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [21](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [37](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [17](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [18](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [16](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [24](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [38](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [27](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL in this draft.; verified: 2026-09-16.)

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [36](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [40](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [41](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [42](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; verified: 2026-09-16.) | | Application process | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [28](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [29](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [34](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | | Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [43](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; verified: 2026-09-16.) | | Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)

For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)

Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. [31](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [30](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [36](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [39](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [40](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [15](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.; verified: 2026-09-16.) | ## Related Reading - [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher) - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) ## Related Comparisons - [Alliance Risk vs Gallagher](https://spot.insure/compare/alliance-risk-vs-gallagher) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Amelia Risk vs Gallagher](https://spot.insure/compare/amelia-risk-vs-gallagher) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Armilla vs Gallagher](https://spot.insure/compare/armilla-vs-gallagher) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [At-Bay vs Gallagher Insurance](https://spot.insure/compare/at-bay-vs-gallagher) - [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) - [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher) - 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[Marsh vs Risklytics](https://spot.insure/compare/marsh-vs-risklytics) - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) - [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi) - [Marsh vs Vouch](https://spot.insure/compare/marsh-vs-vouch) - [Marsh vs WithCoverage](https://spot.insure/compare/marsh-vs-withcoverage) ## Sources ### [Gallagher Official Website](https://www.ajg.com/) 1. [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. 2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16. 4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16. 5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16. 7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16. 8. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16. 9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16. 10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16. 11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16. 12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16. 13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16. ### [Marsh Official Website](https://www.marsh.com/en/home.html) 14. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 15. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16. 16. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; listed practice links including data center insurance, fintech, Stratus; Talk to us contact CTA. FAQ coverage questions treated as educational, not catalogue proof.. Accessed 2026-09-16. 17. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Closing the gaps in conventional coverage (property, casualty, technology E&O); surety for PPA and interconnection; FAQ typical covers: property damage, equipment breakdown, business interruption, cyber, general liability. Accessed 2026-09-16. 18. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16. 19. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. No line-by-line US product schedule.. Accessed 2026-09-16. 20. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ describing possible policy parts, not a guarantee. Accessed 2026-09-16. 21. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 22. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 23. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16. 24. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16. 25. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16. 26. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 27. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL (educational context for the practice page). Accessed 2026-09-16. 28. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; JSON-LD legalName Marsh LLC; link to business-form.html. Inspected 16 September 2026; no form submitted.. Accessed 2026-09-16. 29. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path noted for certificates, policies and billing. Embedded form iframe not fully field-mapped; no submission.. Accessed 2026-09-16. 30. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16. 31. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; Copyright © 2024, Marsh LLC. Accessed 2026-09-16. 32. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153; Amazon program administrator role and Victor wholesale/MGA language are program-specific and not treated as the default Marsh retail role. Accessed 2026-09-16. 33. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 34. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 35. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16. 36. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16. 37. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16. 38. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policies include D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, and kidnap and ransom; coverage subsections for D&O, EPL and cyber. Accessed 2026-09-16. 39. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property; flood, windstorm, wildfire, earthquake options; builders’ risk; claims advocacy; captives and parametric options. Accessed 2026-09-16. 40. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program design; Claims Management; Workers’ Compensation subsection describing WC as coverage for on-the-job injury. Accessed 2026-09-16. 41. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 42. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Employee benefits consulting positioning; implementation of employee benefits solutions. Accessed 2026-09-16. 43. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for 2026 MMA Compensation Guide download and premium-finance disclosure; PDF body not fully extracted (download redirected). Compensation types for MMA therefore rest primarily on the Marsh US guide’s MMA statements.. Accessed 2026-09-16. 44. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Historical enforcement caption, not a 2026 license-status verification.. Accessed 2026-09-16. 45. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public search interface retrieved 16 September 2026; no authenticated license-detail record for 437153 was returned in this research (no captcha completion). No current status conclusion drawn.. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-marsh.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)