--- title: "Kinro vs Marsh McLennan Agency: D&O Insurance" description: "Kinro says D&O placements address governance and investor claims and may sit within broader management liability; Marsh McLennan Agency describes defense costs for wrongful acts." canonical: "https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "kinro-vs-marsh-mclennan-agency" provider-a: "kinro" provider-b: "marsh-mclennan-agency" coverage-line: "directors-officers" --- 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/kinro-vs-marsh-mclennan-agency/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Kinro and Marsh McLennan Agency for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about Kinro 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:** - Kinro vs Marsh McLennan Agency for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Kinro or Marsh McLennan Agency? - What does Kinro or Marsh McLennan Agency publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Kinro or Marsh McLennan Agency? **Key facts:** - Line: D&O Insurance. Providers: Kinro and Marsh McLennan Agency. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Kinro vs Marsh McLennan Agency](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Kinro vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Kinro vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) - [Kinro vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [Kinro vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [Kinro vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Kinro vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Kinro D&O Insurance](https://spot.insure/compare/aig-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Kinro D&O Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Kinro D&O Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) # Kinro vs Marsh McLennan Agency: How Do They Compare for D&O Insurance? Kinro says D&O placements address governance and investor claims and may sit within broader management liability; Marsh McLennan Agency describes defense costs for wrongful acts. ## How to Use the Kinro vs Marsh McLennan Agency D&O Insurance Comparison Use this comparison to evaluate Kinro and Marsh McLennan Agency for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Kinro vs Marsh McLennan Agency D&O Insurance Summary Kinro says D&O placements address management, governance, investor or executive claims and may be part of a broader program; Marsh McLennan Agency describes wrongful-act defense costs. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Is Kinro Insurance? Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [1](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/partners/carriers "For Carriers And MGAs") [Kinro profile](https://spot.insure/insurance-providers/kinro) ## 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. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](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 Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Kinro and Marsh McLennan Agency D&O Insurance? ### Management decisions and defense costs Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives. Marsh McLennan Agency describes D&O for alleged wrongful acts and defense costs. For a board facing a dispute over a financing or governance decision, compare how the proposed forms define the alleged act, insured persons and covered defense expense. Kinro notes that terms depend on the carrier and policy placed; the MMA description is also a marketing summary. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Related management-liability lines Kinro says a management-liability program may include EPLI or fiduciary coverage alongside D&O. MMA’s selected claim describes defense costs for D&O wrongful acts. A buyer considering several management-liability lines should ask Kinro whether the proposed package uses separate or shared limits, and ask MMA to identify how any companion coverage is arranged. Kinro’s description does not say those limits are shared; the quote and policy schedule must answer that question. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Should You Confirm in Kinro and Marsh McLennan Agency D&O Insurance Quotes? - Ask Kinro whether your board, funding and contract details change the carrier submission or related-line review. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") - Ask Marsh McLennan Agency which defense-cost wording and application materials apply to your proposed D&O placement. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## Kinro vs Marsh McLennan Agency D&O Insurance Compared | Criteria | Kinro Directors & Officers | Marsh McLennan Agency directors officers (official overview) | | --- | --- | --- | | Role in This Line | Kinro is a broker: it matches a business to a D&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Routing" and "Market fit" sections..) | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Who It’s For | Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Common fit" and "Triggers" sections..) | Corporate executives, board members, and their organizations, as described by the source. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Coverage Features | Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed..) | The cited product page describes D&O for alleged wrongful acts by directors or officers, including described defense costs for civil and criminal actions and investigations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | The reviewed page does not publish D&O limits, retentions or premiums; carriers use inputs such as funding stage, cap table and debt to quote, and amounts are not published. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Not found in reviewed sources; scope: Directors & Officers page "Quote file" section as read on 2026-09-23..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | How to Apply | To quote D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Quote file" and "Reviewed with" sections..) | 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. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Related Pages for Kinro vs Marsh McLennan Agency D&O Insurance - [Kinro vs Marsh McLennan Agency](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Kinro vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/commercial-auto) - [Kinro vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/commercial-property) - [Kinro vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/cyber) - [Kinro vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/general-liability) - [Kinro vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/professional-errors-omissions) - [Kinro vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/workers-compensation) - [AIG vs Kinro D&O Insurance](https://spot.insure/compare/aig-vs-kinro/directors-officers) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) - [Alliance Risk vs Kinro D&O Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/directors-officers) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) - [Amelia Risk vs Kinro D&O Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/directors-officers) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) ## Sources for Kinro vs Marsh McLennan Agency D&O Insurance ### Sources About Kinro 1. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15. 2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15. 3. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15. 4. [Directors & Officers](https://kinro.com/products/directors-and-officers). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23. ### Sources About Marsh McLennan Agency 5. [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. 6. [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. 7. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Directors and Officers section; claims for alleged wrongful acts and defense costs.. Accessed 2026-09-30. ### Sources for the D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Kinro Review Scores for 2026 Review Score: not enough ratings. We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/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/kinro-vs-marsh-mclennan-agency/directors-officers.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)