--- title: "Kinro vs Marsh McLennan Agency: Professional Liability (E&O) Insurance" description: "Kinro’s E&O quote intake collects services, clients, revenue, contract terms, prior claims and retroactive dates; MMA names E&O and distinct specialist professional lines." canonical: "https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/professional-errors-omissions" 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: "professional-errors-omissions" --- 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/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Kinro and Marsh McLennan Agency for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about 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 Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Kinro or Marsh McLennan Agency? - What does Kinro or Marsh McLennan Agency publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Kinro or Marsh McLennan Agency? **Key facts:** - Line: Professional Liability (E&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 - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 D&O Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/directors-officers) — 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Kinro vs Marsh McLennan Agency: How Do They Compare for Professional Liability (E&O) Insurance? Kinro’s E&O quote intake collects services, clients, revenue, contract terms, prior claims and retroactive dates; MMA names E&O and distinct specialist professional lines. ## How to Use the Kinro vs Marsh McLennan Agency Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Kinro and Marsh McLennan Agency for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Kinro vs Marsh McLennan Agency Professional Liability (E&O) Insurance Summary Kinro says its E&O quote file includes services, client types, revenue, contracts, claims and retroactive dates, often reviewed alongside other lines. MMA names E&O, A&E and lawyers lines. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [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 Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Kinro and Marsh McLennan Agency Professional Liability (E&O) Insurance? ### Information used to route a quote Kinro says its E&O intake collects services, client types, revenue, contract terms, prior claims and retroactive dates, including whether work involves regulated or technical advice; it often reviews E&O with cyber, general liability and D&O. MMA’s source names E&O, A&E and lawyers professional lines. A complex-services business can prepare Kinro’s listed intake details and ask MMA which category and submission information fit its operation. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Service allegations and product categories Kinro describes E&O as addressing alleged errors, omissions, missed deadlines or service mistakes and related defense questions. MMA’s source identifies general E&O and separate A&E and lawyers products. Compare each proposed professional-services definition with the actual work performed, and identify whether any regulated duties call for a specialty form. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [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 Professional Liability (E&O) Insurance Quotes? - Which services, client contracts, claims and retroactive dates will Kinro submit to its markets? [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") - Which MMA line fits those services, and how will it coordinate with other requested coverages? [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## Kinro vs Marsh McLennan Agency Professional Liability (E&O) Compared | Criteria | Kinro Professional Liability / E&O | Marsh McLennan Agency professional errors omissions (official overview) | | --- | --- | --- | | Role in This Line | Kinro is a broker: it matches a business to a professional liability/E&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/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Routing" and "Market fit" sections..) | Marsh McLennan Agency describes arranging professional errors omissions 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: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Who It’s For | Kinro says this coverage commonly fits consultants, agencies, tech services and professional firms, and typically comes up when clients rely on the business's professional advice or deliverables, or a contract requires E&O or professional liability. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Common fit" and "Triggers" sections..) | Organizations seeking professional liability placement; source does not imply all professions share one policy. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Coverage Features | Kinro describes professional liability/E&O as addressing claims tied to alleged errors, omissions, missed deadlines or service mistakes, and says it covers defense and claim-handling questions that a general liability policy may not address. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed..) | The cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | The reviewed page does not publish limits, retentions or premiums for professional liability/E&O; amounts would appear on a quote. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Not found in reviewed sources; scope: Professional Liability / E&O page 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 professional liability/E&O, Kinro collects the services provided, client types, revenue and contract terms, prior claims and retroactive dates, and whether the business handles regulated, technical, financial or operational advice, and often reviews it together with cyber, general liability and D&O coverage. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O 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: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Related Pages for Kinro vs Marsh McLennan Agency - [Kinro vs Marsh McLennan Agency](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [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 D&O Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/directors-officers) - [Kinro vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/general-liability) - [Kinro vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-marsh-mclennan-agency/workers-compensation) - [AIG vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-kinro/professional-errors-omissions) - [AIG vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/professional-errors-omissions) - [Alliance Risk vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/professional-errors-omissions) - [Alliance Risk vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/professional-errors-omissions) - [Aon vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-kinro/professional-errors-omissions) - [Aon vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions) ## Sources for Kinro vs Marsh McLennan Agency ### 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. [Professional Liability / E&O](https://kinro.com/products/professional-liability). 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; E&O, architects and engineers, and lawyers professional lines are named in the policy suite.. Accessed 2026-09-30. ### Sources for the Professional Liability (E&O) Insurance Guide 8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 9. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## 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/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)