---
title: "Layr vs Marsh"
description: "Distinguish Layr’s support for a brokerage’s small-business accounts from appointing Marsh for placement and advice."
canonical: "https://spot.insure/compare/layr-vs-marsh"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Layr", "Marsh"]
---

[Human-readable page](https://spot.insure/compare/layr-vs-marsh)

# Layr vs Marsh

Distinguish Layr’s support for a brokerage’s small-business accounts from appointing Marsh for placement and advice.

## Research Scope and Use

Use this comparison to evaluate Layr 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

Layr supplies workflow software and licensed support to brokerages, often behind a broker-branded experience. Marsh is a brokerage and risk adviser that arranges coverage under its client relationships. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [16](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients")



## Introduction

Layr provides software and licensed support for brokerages serving small-business accounts, often through the brokerage’s own branding. Marsh offers insurance placement and risk advice. For a business considering a move because administration is difficult, these are different decisions: how the existing brokerage delivers service, and whether to appoint a new adviser. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [16](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management")

## Documented Provider Strengths

### Layr

- Independent brokerages can combine workflow software and licensed support for small-commercial accounts under their own brand. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [3](https://withlayr.com/company/insurance-technology "The Team Improving Insurance Technology") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Current broker-facing business model described on Layr's live company, broker and portal pages; functions are company-reported and were not tested through an account.; verified: 2026-09-15.)
- Layr describes a broker-branded portal for policy documents, certificates, claims, renewals and payments, supported by licensed staff. [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [12](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Company-reported; scope: Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested.; 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. [15](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [17](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [34](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. [22](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [38](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [18](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [19](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [17](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 | Layr | Marsh |
| --- | --- | --- |
| Builders risk | Not listed | Listed [40](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") |
| Commercial auto | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Not listed |
| Commercial property | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [40](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [18](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [19](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") |
| Crime | Not listed | Listed [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Cyber liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [7](https://withlayr.com/cyber-liability-insurance/ "Cyber Liability Insurance") | Listed [22](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [38](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") |
| Directors and officers | Not listed | Listed [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [39](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 [43](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [36](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [32](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 [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Equipment breakdown | Not listed | Listed [18](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 [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Fiduciary liability | Not listed | Listed [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| General liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [18](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 [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Kidnap and ransom | Not listed | Listed [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Management liability | Not listed | Listed [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [28](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") |
| Media liability | Not listed | Listed [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Professional liability / E&O | Not listed | Listed [27](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| Surety bonds | Not listed | Listed [18](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [42](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") |
| Technology errors and omissions | Not listed | Listed [18](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [27](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") |
| Umbrella and excess liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Not listed |
| Workers’ compensation | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [41](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 Layr and Marsh

### Support Can Change Without Replacing the Broker

Layr says participating brokerages retain broker-of-record status while outsourcing sales and support. It can also use a brokerage’s existing carrier relationships. That does not establish a relationship with Marsh or access to its markets. Ask the current broker whether Layr is part of its service and who remains accountable for advice; a portal provider’s name need not be the name on the brokerage agreement. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients")

### A Workflow Demonstration Does Not Define the Policy

Layr’s application illustration shows several small-business lines, but the offered insurer and wording depend on the actual placement. Marsh describes selecting and negotiating with insurers rather than supplying one standard policy. Compare proposals from the responsible brokers, with the same requested coverages and locations, instead of treating portal features as evidence of broader insurance protection. [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [31](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency")

### Administration and Financing Need Separate Agreements

Layr describes gathering renewal updates and finalizing documents, alongside different public compensation descriptions for broker and consumer arrangements. Its consumer disclosure includes a finance fee for an applicable monthly credit-card plan. Marsh’s fees and commissions depend on the engagement. Ask which charges relate to service, insurance distribution or borrowing; the advertised Layr arrangement should not be applied automatically to every brokerage using its software. [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [8](https://withlayr.com/compensation-disclosure "Explanation of Pricing") [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients")

## What to Confirm in Quotes

Request the broker-of-record identity, service contacts, renewal approval process and financing terms. Confirm California availability and the named insurer for each policy. For claims, distinguish the portal’s reporting function from the adviser’s assistance and the insurer’s notice requirements; neither Layr support nor Marsh advocacy establishes that a loss will be covered. [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [24](https://www.marsh.com/en/services/claims-management.html "Claims Management")



## Service Comparison

Layr vs Marsh: documented services and availability.

| Criteria | Layr | Marsh |
| --- | --- | --- |
| Business role | Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. [9](https://withlayr.com/terms-of-use "Terms of Use") [1](https://withlayr.com/ "Grow Your Broker Profits") [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Entity and functional roles in current public materials. The precise producer role can depend on the partner arrangement and proposed policy.; verified: 2026-09-15.)<br><br>The reviewed sources identify Layr Holdings, Inc., its leaders and several investors, but do not disclose a current controlling parent or ownership percentages. [9](https://withlayr.com/terms-of-use "Terms of Use") [10](https://withlayr.com/company/leadership-team "Leadership Team") [12](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Not found in reviewed sources; scope: Current website operator and public ownership review. Investor participation is not treated as control, and no independence claim is made.; verified: 2026-09-15.)<br><br>Layr says a participating brokerage can offload small-business sales, service and support to Layr while retaining broker-of-record status and 100% of its commissions. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Broker-facing Layr Apex arrangement as marketed publicly; actual allocation of duties and compensation depends on the brokerage agreement.; 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. [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [31](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [16](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.)<br><br>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. [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [31](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [33](https://affinity.marsh.com/affinity/licensing.html "Licensing") [34](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [15](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [45](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 | Layr's current New Business Capture illustration shows general liability, commercial auto liability, commercial property, workers' compensation, umbrella and cyber liability/data breach as policy choices. The illustration is a product demonstration, not a guarantee that all six are eligible in every broker implementation or jurisdiction. [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") (Evidence: Company-reported; scope: Coverage labels visible in the official asset on the current New Business Capture offering page. Consolidated to shared catalogue keys without treating sample prices as quotes.; verified: 2026-09-15.)<br><br>A still-live, 2021-branded Parcel Pro referral page also lists a business owner's policy, commercial crime, hired and non-owned auto and kidnap and ransom, and mentions management liability and errors and omissions. Most linked product pages now return 404, so these legacy/referral-page labels are not treated as confirmed current standalone offerings in this profile's coverage catalogue. [13](https://parcelproreferral.partner.withlayr.com/ "Parcel Pro Customers Now Have Access to Additional Insurance Solutions Through Layr") [7](https://withlayr.com/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Historical referral implementation audited on 15 September 2026. Cyber remained a live product page; the broader labels require direct confirmation for a current brokerage and applicant.; verified: 2026-09-15.)<br><br>Layr's platform illustration includes cyber coverage, but its previously reviewed dedicated cyber product page returned a not-found response on re-access. Current coverage options, insurer, policy wording and eligibility need confirmation from the broker. The unavailable page does not establish that cyber placements have stopped. [7](https://withlayr.com/cyber-liability-insurance/ "Cyber Liability Insurance") [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") (Evidence: Not found in reviewed sources; scope: Direct HTTPS re-access of the dedicated cyber product URL returned HTTP 404 on 15 September 2026, independently checked by the comparison writer and manager. Earlier feature descriptions are historical evidence only; the current New Business Capture illustration still includes cyber as a policy choice.; 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. [22](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [38](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [18](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [19](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [17](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.)<br><br>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. [25](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [26](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [27](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [39](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [28](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.)<br><br>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. [37](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [40](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [41](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [42](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [43](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [32](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 | Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [11](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara "Layr Welcomes New CEO Mark Hara") (Evidence: Conflicting sources; scope: Company-described digital workflow. No form was completed and no quote, payment or underwriting decision was requested during research.; 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. [29](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [30](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [35](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.)<br><br>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. [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [31](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.) |
| Access to insurers | Layr says it works with major national insurers, accesses other markets through wholesalers and can use a brokerage customer's existing carriers. It does not publish a current legal-entity carrier panel or promise that every market will quote every account. [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Current broker FAQ; no carrier appointments, financial-strength ratings or account-specific market access independently verified.; verified: 2026-09-15.)<br><br>The reviewed current product, portal and FAQ pages do not identify the issuing insurer or policy form for each available product. Those details must come from the actual proposal and policy. [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [7](https://withlayr.com/cyber-liability-insurance/ "Cyber Liability Insurance") [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Not publicly disclosed; scope: Current platform and FAQ pages plus previously reviewed cyber product material. The dedicated cyber URL returned HTTP 404 on re-access; this is not a finding that Layr lacks insurer relationships.; 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. [37](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [19](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [31](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](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.) |
| Fees and compensation | Layr's current broker FAQ says Layr receives a percentage of premium while the brokerage keeps 100% of commissions. A separate consumer-facing disclosure says carriers pay Layr a commission and businesses may pay a finance fee of up to 20% of premium. The pages do not reconcile which arrangement applies to a particular broker, policyholder or payment plan. [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [8](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Conflicting sources; scope: Two public compensation descriptions for different apparent audiences. Actual agreements and itemized charges were not available.; verified: 2026-09-15.)<br><br>Layr's consumer-facing compensation disclosure says a business that uses its monthly credit-card payment arrangement can pay a percentage-based finance fee of up to 20% of premium. The page does not provide an account-specific rate, total repayment or cancellation terms. [8](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Company-reported; scope: Public compensation disclosure; current applicability to every Layr Apex implementation or payment option is not established.; verified: 2026-09-15.) | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [32](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [31](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [44](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; verified: 2026-09-16.) |

## Related Reading

- [What Is Layr?](https://spot.insure/insurance-providers/layr)
- [What Is Marsh?](https://spot.insure/insurance-providers/marsh)

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## Sources

### [Layr Official Website](https://withlayr.com/)

1. [Grow Your Broker Profits](https://withlayr.com/). Layr; Homepage service proposition; broker audience; footer naming Layr Holdings, Inc.; official logo asset. Accessed 2026-09-15.
2. [Software for Insurance Brokers & Agents](https://withlayr.com/whos-with-layr/brokers-agents). Layr; Streamlined Efficiency; Reduce the Drag: Layr handles sales, service and support while the brokerage retains broker-of-record status and commissions. Accessed 2026-09-15.
3. [The Team Improving Insurance Technology](https://withlayr.com/company/insurance-technology). Layr; Mission; small-business market; broker-focused technology; leadership and investor logos. Accessed 2026-09-15.
4. [New Business Capture from Layr — Quote Policies in 10 Min](https://withlayr.com/platform/insurance-quote). Layr; Faster Quotes hero and official SmartQuote illustration listing General Liability, Commercial Auto Liability, Property, Workers Compensation, Umbrella, and Cyber Liability & Data Breach. Accessed 2026-09-15.
5. [Online Portal with Cyber Security for Insurance Companies](https://withlayr.com/platform/secure-portal). Layr; Layr Apex introduction; licensed support team; policyholder activity, portfolio and white-label dashboard descriptions; official dashboard asset. Accessed 2026-09-15.
6. [Insurance Technology Frequently Asked Questions](https://withlayr.com/faq). Layr; Product library; carrier and wholesaler access; renewal process and 60-day collection timing; white labeling; premium-based compensation. Accessed 2026-09-15.
7. [Cyber Liability Insurance](https://withlayr.com/cyber-liability-insurance/). Layr; Previously reviewed: Policy Overview; Key Protected Threats; Coverage Details; online-purchase call to action. Direct re-access on 15 September 2026 returned HTTP 404; historical descriptions do not establish current product terms. Accessed 2026-09-15.
8. [Explanation of Pricing](https://withlayr.com/compensation-disclosure). Layr; Simplified Pricing: carrier commissions and business finance fee up to 20% of premium; flexible payments, portal and certificate descriptions. Accessed 2026-09-15.
9. [Terms of Use](https://withlayr.com/terms-of-use). Layr; Service operated by Layr Holdings, Inc.; Purchases; Availability, Errors and Inaccuracies; Accounts; last updated 1 April 2018. Accessed 2026-09-15.
10. [Leadership Team](https://withlayr.com/company/leadership-team). Layr; Current leadership and investor-logo section; no controlling parent or ownership percentages disclosed. Accessed 2026-09-15.
11. [Layr Welcomes New CEO Mark Hara](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara). Layr; 17 October 2024 announcement: broker and agency audience, small-business selection and payment workflow, underwriting handoff, and brokerages across the U.S.. Accessed 2026-09-15.
12. [Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html). Layr via GlobeNewswire; 1 November 2023 company release: financing participants, broker-facing business model, licensed support, policyholder portal functions. Accessed 2026-09-15.
13. [Parcel Pro Customers Now Have Access to Additional Insurance Solutions Through Layr](https://parcelproreferral.partner.withlayr.com/). Layr; 2021-branded referral page: policy list, online application, portal, financing and certificate claims. Earlier research found mostly broken product links; a later direct check on 15 September 2026 also returned HTTP 404 for the cyber page. Accessed 2026-09-15.
14. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Search-indexed 2026 list entry for Layr Holdings, Inc., license 17853851, original approval 17 March 2021 and renewal date 17 March 2027; direct download returned HTTP 404 on access date. Accessed 2026-09-15.

### [Marsh Official Website](https://www.marsh.com/en/home.html)

15. [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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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/layr-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)