--- title: "Harper vs Marsh McLennan Agency: Workers’ Compensation Insurance" description: "Harper says it checks payroll job codes before binding to reduce classification errors; Marsh McLennan Agency describes safety and prevention support." canonical: "https://spot.insure/compare/harper-vs-marsh-mclennan-agency/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "harper-vs-marsh-mclennan-agency" provider-a: "harper" provider-b: "marsh-mclennan-agency" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Harper and Marsh McLennan Agency for Workers’ Compensation 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 Workers’ Compensation Insurance questions about Harper 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:** - Harper vs Marsh McLennan Agency for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Harper or Marsh McLennan Agency? - What does Harper or Marsh McLennan Agency publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Harper or Marsh McLennan Agency? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Harper 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Harper vs Marsh McLennan Agency](https://spot.insure/compare/harper-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Harper vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Harper vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) # Harper vs Marsh McLennan Agency: How Do They Compare for Workers’ Compensation Insurance? Harper says it checks payroll job codes before binding to reduce classification errors; Marsh McLennan Agency describes safety and prevention support. ## How to Use the Harper vs Marsh McLennan Agency Workers’ Compensation Insurance Comparison Use this comparison to evaluate Harper and Marsh McLennan Agency for Workers’ Compensation 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. ## Harper vs Marsh McLennan Agency Workers’ Compensation Insurance Summary Harper says it classifies payroll into job codes before binding because misclassification can cause a large audit bill. Marsh McLennan Agency describes workers’ compensation with safety and prevention support but does not detail a payroll audit process. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## What Is Harper Insurance? Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [1](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [2](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [Harper profile](https://spot.insure/insurance-providers/harper) ## 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. [4](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [5](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 Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [7](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [8](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [9](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [10](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between Harper and Marsh McLennan Agency Workers’ Compensation Insurance? ### Payroll Classification and Premium Review Harper says it classifies payroll into the insurer’s job codes before binding because workers’ compensation premiums depend on those classifications and errors can lead to a large bill at audit. It shops the application to insurers that write the business’s job classes. MMA describes placement-specific class eligibility and safety support but does not identify a payroll-classification review in its overview. Businesses with mixed office, field, or trade work should compare who checks each payroll code and how corrections are handled before renewal. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ### Coverage and State Obligations Harper describes medical costs, lost wages, rehabilitation, and employer-liability coverage, and says it confirms the legal requirement based on state and headcount. MMA describes coverage for on-the-job injury or death and likewise says state and class eligibility depends on the placement. The two summaries do not establish identical policy terms. Ask for the proposed form, benefit limits, and employer-liability terms, then verify the state and employee count used to calculate the quote. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## What Should You Confirm in Harper and Marsh McLennan Agency Workers’ Compensation Insurance Quotes? - Which payroll codes will Harper use for each job, and how will you review them before the policy audit? [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") - Which class codes, states, and employer-liability terms will appear in the MMA proposal? [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## Harper vs Marsh McLennan Agency Workers’ Compensation Compared | Criteria | Harper Workers Compensation Insurance | Marsh McLennan Agency workers compensation (official overview) | | --- | --- | --- | | Role in This Line | Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers compensation page introduction and 'Why Harper' section..) | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Not publicly disclosed; scope: Checked the workers compensation page on 2026-09-23; no carrier is named for this line..) | Confirm in your quote. | | Who It’s For | Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers compensation page introduction and FAQ 'When am I required to carry it?'..) | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 | Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope..) | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 | Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Not publicly disclosed; scope: Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote..) | 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. [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | 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..) | | Risk Services | Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome..) | Confirm in your quote. | | How to Apply | You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. [3](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers compensation page quote form and 'Why Harper' process steps..) | 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. [6](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 Harper vs Marsh McLennan Agency - [Harper vs Marsh McLennan Agency](https://spot.insure/compare/harper-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Harper vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/builders-risk) - [Harper vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/commercial-auto) - [Harper vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/commercial-property) - [Harper vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/cyber) - [Harper vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/general-liability) - [Harper vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/professional-errors-omissions) - [Harper vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/harper-vs-marsh-mclennan-agency/surety-bonds) - [AIG vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-harper/workers-compensation) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) - [Alliance Risk vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-harper/workers-compensation) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) - [Amelia Risk vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-harper/workers-compensation) - [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) ## Sources for Harper vs Marsh McLennan Agency ### Sources About Harper 1. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15. 2. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15. 3. [Workers Compensation Insurance](https://www.harperinsure.com/coverages/workers-compensation). Harper; Know your coverage: What is Workers Compensation insurance?; Medical costs, Lost wages, Rehabilitation, Employer's liability; Why Harper; FAQs on when coverage is required, what the audit looks like, and pricing. Accessed 2026-09-23. ### Sources About Marsh McLennan Agency 4. [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. 5. [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. 6. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30. ### Sources for the Workers’ Compensation Insurance Guide 7. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 8. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 9. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 10. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Harper Review Scores for 2026 Review Score: not enough ratings. We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/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/harper-vs-marsh-mclennan-agency/workers-compensation.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)