--- title: "Harper vs Marsh" description: "Compare Harper’s brokerage for difficult operating risks with Marsh’s program services, including payroll work and referral responsibilities." canonical: "https://spot.insure/compare/harper-vs-marsh" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Harper", "Marsh"] --- [Human-readable page](https://spot.insure/compare/harper-vs-marsh) # Harper vs Marsh Compare Harper’s brokerage for difficult operating risks with Marsh’s program services, including payroll work and referral responsibilities. ## Research Scope and Use Use this comparison to evaluate Harper 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 Harper brokers commercial insurance for businesses including contractors, care providers and transportation operators. Marsh and MMA arrange wider business programs and offer risk-control and claims services. [8](https://www.harperinsure.com/industries "Industries We Serve") [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") ## Introduction Harper markets commercial brokerage for operations that can be difficult to place, including contractors, care providers and transportation businesses. Marsh and its MMA subsidiary arrange business insurance and offer risk-control and claims services. For a startup running physical services as well as software, the comparison should start with the work employees perform and who will manage the resulting insurance obligations. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") ## Documented Provider Strengths ### Harper - Harper focuses on hard-to-place operations across industries such as contracting, care services, manufacturing and transportation. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.) - For workers’ compensation, Harper says it helps classify payroll by job duties and prepare premium-audit information. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.; verified: 2026-09-15.) ### 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. [19](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [21](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [38](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. [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [42](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [21](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 | Harper | Marsh | | --- | --- | --- | | Builders risk | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | | Business owner’s policy | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Commercial auto | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed | | Commercial property | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | | Crime | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Cyber liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [42](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | | Directors and officers | Not listed | Listed [29](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Employee health and benefits | Not listed | Listed [47](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [40](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | | Employment practices liability | Not listed | Listed [30](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Equipment breakdown | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Fidelity bonds | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Fiduciary liability | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Garage liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed | | General liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | | Intellectual property | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Kidnap and ransom | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Liquor liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Management liability | Listed [15](https://partners.harperinsure.com/ "Harper Partners") | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [32](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | | Media liability | Not listed | Listed [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Medical malpractice | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Product liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Professional liability / E&O | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | | Surety bonds | Listed [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") | Listed [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [46](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | | Technology errors and omissions | Not listed | Listed [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | | Tools, equipment and inland marine | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Umbrella and excess liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed | | Workers’ compensation | Listed [7](https://www.harperinsure.com/coverages "What We Cover") [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") | Listed [45](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 Harper and Marsh ### Describe Operations Before Selecting Coverage Labels Harper’s catalogue includes workplace, vehicle, property and liability products, with separate industry pages describing more specific activities. Marsh’s services likewise span multiple business risks. Neither broad catalogue establishes that a mixed business is accepted on one policy. Separate the operating entities, employee duties and customer contracts in the submission so each broker can identify what the insurer will actually cover. [7](https://www.harperinsure.com/coverages "What We Cover") [11](https://www.harperinsure.com/industries/security-guards "Security Guards Insurance") [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") ### An Introduction Can Change Who Services the Account Harper’s referral program says Harper handles placement and ongoing service, while the referring agent has no servicing duties. Its wholesale offering uses a different arrangement. Marsh also distinguishes brokerage segments and agreements. If an existing adviser introduces either route, ask who will answer coverage questions, issue certificates and manage renewal; do not infer those responsibilities from the person making the introduction. [15](https://partners.harperinsure.com/ "Harper Partners") [14](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ### Payroll Support and Claims Advice Need Defined Tasks Harper describes help classifying payroll and preparing premium-audit information. MMA describes casualty risk-control and claims management. Those services can matter throughout the policy year, but their scope should be written into the engagement. Ask who reconciles payroll changes and who works with the insurer after an injury, rather than assuming a placement fee includes all administration. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") ## What to Confirm in Quotes Request accepted activities, named insurers, California eligibility and a service-responsibility schedule. Obtain a policy-specific urgent claims route: Harper’s texts cannot bind or change coverage and should not be relied on for urgent matters. Compare total buyer charges separately from any referral commission split. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [15](https://partners.harperinsure.com/ "Harper Partners") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") ## Service Comparison Harper vs Marsh: documented services and availability. | Criteria | Harper | Marsh | | --- | --- | --- | | Business role | Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [9](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.; verified: 2026-09-15.)

Harper’s text-messaging terms identify the brokerage as Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency. Its privacy policy instead names Harper Group Corp. The reviewed disclosures do not explain the corporate relationship between those names. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: The entity difference is preserved without inferring a parent/subsidiary relationship, merger or error. Georgia independently corroborates the agency corporation; the DBA is company-disclosed.; verified: 2026-09-15.)

Harper separately markets wholesale access for other brokers, including specialty and non-admitted insurers. That page claims binding authority on selected programs but does not identify the delegating insurers, products, states or authority limits. It is not evidence that Harper itself bears the insured risk. [14](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") (Evidence: Company-reported; scope: Selective authority expressly claimed by company, not inferred from AI. No delegation contract or named binding program obtained. Non-admitted means the insurer is not licensed as an admitted insurer in the state of placement.; verified: 2026-09-15.) | 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. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [20](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. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [37](https://affinity.marsh.com/affinity/licensing.html "Licensing") [38](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [19](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [49](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 | Harper’s privacy policy says it does not currently offer health or life insurance. The life qualification on its Georgia agency license does not establish that a life product is available through Harper. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") (Evidence: Company-reported; scope: Privacy section 2, information not intentionally collected; Georgia agency qualification independently checked. Distinguishes licensing authority from the company’s current product offering.; verified: 2026-09-15.)

Harper advertises general and professional liability, commercial property and auto, cyber, garage liability, umbrella coverage and bonds. Its coverage directory also lists workers’ compensation, equipment, liquor liability, medical malpractice and product liability; the intake selector includes a business owner’s policy combining property and liability. [1](https://www.harperinsure.com/ "Harper Homepage") [7](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: Advertised product categories across the current homepage, directory and intake. No conclusion that all lines are available together, from one insurer, or in every jurisdiction.; verified: 2026-09-15.)

Harper’s security page includes armed guards, event security and mobile patrol businesses. It describes liability for guard actions and professional negligence alongside equipment and vehicle protection. The page does not supply the insurer or policy wording for a particular security operation. [11](https://www.harperinsure.com/industries/security-guards "Security Guards Insurance") (Evidence: Company-reported; scope: Company industry appetite. No adoption of the page’s broad claims about standard-policy exclusions or satisfaction of licensing requirements.; verified: 2026-09-15.)

Harper also arranges license, permit, contract, dealer, court and fiduciary bonds. Its bond page explains that the buyer may have to repay amounts the bond company pays on a claim. Ask for the bond and indemnity agreement—the repayment promise—when reviewing this part of a proposal. [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Company product description. No blanket interpretation of a specific bond or personal guarantee.; verified: 2026-09-15.)

The reviewed product pages are coverage summaries. They do not provide a specimen policy tied to a named insurer, state and form edition from which to establish common limits, deductibles or exclusions. Ask for the actual forms and endorsements, which change or add to the policy. [7](https://www.harperinsure.com/coverages "What We Cover") [9](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") [11](https://www.harperinsure.com/industries/security-guards "Security Guards Insurance") (Evidence: Not found in reviewed sources; scope: Scoped search of current coverage directory and representative product/industry pages. No issued policy or private quote reviewed. Absence of a specimen in these sources is not absence of available coverage.; verified: 2026-09-15.) | 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. [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [42](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [21](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. [29](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [30](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [32](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. [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [46](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [47](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [36](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 public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. [1](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.; verified: 2026-09-15.)

The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. [6](https://www.ycombinator.com/companies/harper "Harper Company Profile and Founder Launch Post") (Evidence: Company-reported; scope: Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.; verified: 2026-09-15.)

Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.; verified: 2026-09-15.)

The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.; verified: 2026-09-15.)

Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Company-reported; scope: Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.; verified: 2026-09-15.)

Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.; verified: 2026-09-15.) | 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. [33](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [34](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [39](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. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](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.) | | Customer focus | Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.) | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. [19](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [21](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [38](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.) | | Access to insurers | Harper’s homepage displays insurers including Progressive, Kinsale, USLI, Atlantic Casualty, James River, GEICO, AIG and Hiscox. Its February 2026 announcement reports relationships with more than 165 underwriters and plans for more direct appointments. An underwriter count is not a count of distinct insurers that will quote your account. [1](https://www.harperinsure.com/ "Harper Homepage") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Marketing logos and dated company statement. No direct appointments or live quoting access independently confirmed; no assignment of an insurer to a product.; verified: 2026-09-15.)

An older Harper article says it uses only AAA-rated carriers, without specifying the rating agency, legal insurers or dated rating records. That does not establish a financial-strength rating for the insurer on your quote. Request that insurer’s exact name and current rating evidence. [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") (Evidence: Not found in reviewed sources; scope: Page dated January 21, 2025, carrier-network assertions. Rating claim withheld as a finding; no rating assigned to Harper or any displayed insurer.; verified: 2026-09-15.) | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [37](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; verified: 2026-09-16.) | ## Related Reading - [What Is Harper Insurance?](https://spot.insure/insurance-providers/harper) - [What Is Marsh?](https://spot.insure/insurance-providers/marsh) ## Related Comparisons - [Alliance Risk vs Harper](https://spot.insure/compare/alliance-risk-vs-harper) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Amelia Risk vs Harper](https://spot.insure/compare/amelia-risk-vs-harper) - [Amelia Risk vs Marsh](https://spot.insure/compare/amelia-risk-vs-marsh) - [Armilla vs Harper](https://spot.insure/compare/armilla-vs-harper) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [At-Bay vs Harper Insurance](https://spot.insure/compare/at-bay-vs-harper) - [At-Bay vs Marsh](https://spot.insure/compare/at-bay-vs-marsh) - [Beazley vs Harper](https://spot.insure/compare/beazley-vs-harper) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [CFC vs Harper](https://spot.insure/compare/cfc-vs-harper) - [CFC vs Marsh](https://spot.insure/compare/cfc-vs-marsh) - [Chubb vs Harper](https://spot.insure/compare/chubb-vs-harper) - [Chubb vs Marsh](https://spot.insure/compare/chubb-vs-marsh) - [Coalition vs Harper](https://spot.insure/compare/coalition-vs-harper) - [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh) - [Corgi vs Harper](https://spot.insure/compare/corgi-vs-harper) - [Corgi vs Marsh](https://spot.insure/compare/corgi-vs-marsh) - [Coterie Insurance vs Harper](https://spot.insure/compare/coterie-vs-harper) - [Coterie vs Marsh](https://spot.insure/compare/coterie-vs-marsh) - [Coverdash vs Harper](https://spot.insure/compare/coverdash-vs-harper) - [Coverdash vs Marsh](https://spot.insure/compare/coverdash-vs-marsh) - [Cowbell vs Harper](https://spot.insure/compare/cowbell-vs-harper) - [Cowbell vs Marsh](https://spot.insure/compare/cowbell-vs-marsh) - [Embroker vs Harper](https://spot.insure/compare/embroker-vs-harper) - [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh) - [Founder Shield vs Harper](https://spot.insure/compare/foundershield-vs-harper) - [Founder Shield vs Marsh](https://spot.insure/compare/foundershield-vs-marsh) - [Gallagher vs Harper](https://spot.insure/compare/gallagher-vs-harper) - [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh) - [Harper vs Heffernan](https://spot.insure/compare/harper-vs-heffernan) - [Harper vs Hiscox](https://spot.insure/compare/harper-vs-hiscox) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Harper vs Kinro](https://spot.insure/compare/harper-vs-kinro) - [Harper vs Layr](https://spot.insure/compare/harper-vs-layr) - [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton) - [Harper vs Mylo](https://spot.insure/compare/harper-vs-mylo) - [Harper vs Newfront](https://spot.insure/compare/harper-vs-newfront) - [Harper vs ERGO NEXT Insurance](https://spot.insure/compare/harper-vs-next-insurance) - [Harper vs Pie Insurance](https://spot.insure/compare/harper-vs-pie-insurance) - [Harper vs Relm Insurance](https://spot.insure/compare/harper-vs-relm) - [Harper vs Resilience](https://spot.insure/compare/harper-vs-resilience) - [Harper vs RiskCube](https://spot.insure/compare/harper-vs-riskcube) - [Harper vs Risklytics Insurance](https://spot.insure/compare/harper-vs-risklytics) - [Harper vs StartupInsurance.ai](https://spot.insure/compare/harper-vs-startupinsurance) - [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance) - [Harper vs The Hartford](https://spot.insure/compare/harper-vs-the-hartford) - [Harper vs Travelers Insurance](https://spot.insure/compare/harper-vs-travelers) - [Harper vs USI](https://spot.insure/compare/harper-vs-usi) - [Harper vs Vouch](https://spot.insure/compare/harper-vs-vouch) - [Harper vs WithCoverage](https://spot.insure/compare/harper-vs-withcoverage) - [Heffernan vs Marsh](https://spot.insure/compare/heffernan-vs-marsh) - [Hiscox vs Marsh](https://spot.insure/compare/hiscox-vs-marsh) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [Kinro vs Marsh](https://spot.insure/compare/kinro-vs-marsh) - [Layr vs Marsh](https://spot.insure/compare/layr-vs-marsh) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Marsh vs Mylo](https://spot.insure/compare/marsh-vs-mylo) - [Marsh vs Newfront](https://spot.insure/compare/marsh-vs-newfront) - [Marsh vs Next Insurance](https://spot.insure/compare/marsh-vs-next-insurance) - [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance) - [Marsh vs Relm](https://spot.insure/compare/marsh-vs-relm) - [Marsh vs Resilience](https://spot.insure/compare/marsh-vs-resilience) - [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube) - [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 ### [Harper Official Website](https://www.harperinsure.com/) 1. [Harper Homepage](https://www.harperinsure.com/). Harper; Opening process; coverage cards; industry examples; insurer-logo panel; quote-request form; legal footer. Accessed 2026-09-15. 2. [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. 3. [Privacy Policy](https://www.harperinsure.com/privacypolicy). Harper Group Corp.; Introduction; sections 2–3 on information collection and decision review; sections 7–8 on AI vendors, internal model training and human oversight. Accessed 2026-09-15. 4. [Georgia Agency License Inquiry: Harper Global Enterprises Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y). Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Select Georgia, Agency, license 237101, then Submit. Result for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables (session-based result). Accessed 2026-09-15. 5. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 6017784; CAPTCHA validation failed before a result was returned. Accessed 2026-09-15. 6. [Harper Company Profile and Founder Launch Post](https://www.ycombinator.com/companies/harper). Y Combinator / Harper founders; Company description and founder launch: complex commercial risks; internal Harper Hub form completion, carrier matching and communications; autonomy described as a goal. Accessed 2026-09-15. 7. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory links and coverage choices in the public intake form. Accessed 2026-09-15. 8. [Industries We Serve](https://www.harperinsure.com/industries). Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15. 9. [General Liability Insurance](https://www.harperinsure.com/coverages/general-liability). Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15. 10. [Workers Compensation Insurance](https://www.harperinsure.com/coverages/workers-compensation). Harper; Payroll classification discussion and FAQs about audits and pricing. Accessed 2026-09-15. 11. [Security Guards Insurance](https://www.harperinsure.com/industries/security-guards). Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15. 12. [Surety Bonds](https://www.harperinsure.com/coverages/surety-bonds). Harper; Bond categories, repayment obligations and timing FAQ. Accessed 2026-09-15. 13. [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. 14. [Insurance Brokers: Wholesale Program](https://www.harperinsure.com/industries/insurance-brokers). Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15. 15. [Harper Partners](https://partners.harperinsure.com/). Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-15. 16. [Customer Portal Entry](https://customer.harperinsure.com/). Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15. 17. [Why 2000+ Companies Trust Harper For Business Insurance](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/). Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15. 18. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Used for role distinctions, not nationwide legal rules. Accessed 2026-09-15. ### [Marsh Official Website](https://www.marsh.com/en/home.html) 19. [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. 20. [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. 21. [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. 22. [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. 23. [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. 24. [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. 25. [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. 26. [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. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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/harper-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)