--- title: "Liberty Mutual vs Marsh McLennan Agency: D&O Insurance" description: "Liberty Mutual names pre-claim inquiry features; Marsh McLennan Agency describes defense costs for civil and criminal actions and investigations." canonical: "https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "liberty-mutual-vs-marsh-mclennan-agency" provider-a: "liberty-mutual" 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/liberty-mutual-vs-marsh-mclennan-agency/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual 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:** - Liberty Mutual vs Marsh McLennan Agency for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Liberty Mutual or Marsh McLennan Agency? - What does Liberty Mutual 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 Liberty Mutual or Marsh McLennan Agency? **Key facts:** - Line: D&O Insurance. Providers: Liberty Mutual and Marsh McLennan Agency. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Liberty Mutual vs Marsh McLennan Agency](https://spot.insure/compare/liberty-mutual-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 - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Liberty Mutual vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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 Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/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 Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/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) # Liberty Mutual vs Marsh McLennan Agency: How Do They Compare for D&O Insurance? Liberty Mutual names pre-claim inquiry features; Marsh McLennan Agency describes defense costs for civil and criminal actions and investigations. ## How to Use the Liberty Mutual vs Marsh McLennan Agency D&O Insurance Comparison Use this comparison to evaluate Liberty Mutual 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. ## Liberty Mutual vs Marsh McLennan Agency D&O Insurance Summary Liberty Mutual’s ProShield overview calls out investigation and pre-claim inquiry coverage. Marsh McLennan Agency describes D&O defense costs for civil and criminal actions and investigations, subject to policy terms. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [4](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [5](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## What Is 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. [7](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [8](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [9](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Liberty Mutual and Marsh McLennan Agency D&O Insurance? ### Terms that matter before a claim Liberty Mutual’s ProShield description calls out investigation and pre-claim inquiry coverage. Marsh McLennan Agency describes D&O for alleged wrongful acts by directors and officers, including defense costs for civil and criminal actions and investigations, while leaving actual terms to the policy. Buyers weighing an inquiry before litigation should ask both providers when an investigation becomes a covered claim and whether defense costs erode the limit. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Placement and coverage structure Marsh McLennan Agency invites organizations to contact an adviser about placement; Liberty Mutual offers D&O as part of ProShield’s combined package. The adviser route can support a placement discussion, while the package may combine related management-liability sections. Buyers should compare the recommended carrier and form against ProShield’s included coverages rather than treating a high-level overview as a quote. [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in Liberty Mutual and Marsh McLennan Agency D&O Insurance Quotes? - What counts as an investigation or pre-claim inquiry under ProShield? Which civil, criminal and regulatory investigations trigger defense under the proposed MMA placement? Identify carrier, limit, retention and package sections in writing. ## Liberty Mutual vs Marsh McLennan Agency D&O Insurance Compared | Criteria | Liberty Mutual ProShield Directors and Officers coverage | Marsh McLennan Agency directors officers (official overview) | | --- | --- | --- | | Role in This Line | Liberty Mutual includes D&O coverage in its ProShield management-liability package. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. [6](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 | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Corporate executives, board members, and their organizations, as described by the source. [6](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 | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [6](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 cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [6](https://www.marshmma.com/us/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..) | | Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [6](https://www.marshmma.com/us/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 Liberty Mutual vs Marsh McLennan Agency D&O - [Liberty Mutual vs Marsh McLennan Agency](https://spot.insure/compare/liberty-mutual-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. - [Liberty Mutual vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/builders-risk) - [Liberty Mutual vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/cargo-transit) - [Liberty Mutual vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/commercial-auto) - [Liberty Mutual vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/commercial-property) - [Liberty Mutual vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/crime) - [Liberty Mutual vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/cyber) - [Liberty Mutual vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/employment-practices) - [Liberty Mutual vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/fiduciary) - [Liberty Mutual vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/general-liability) - [Liberty Mutual vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/kidnap-ransom) - [Liberty Mutual vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/professional-errors-omissions) - [Liberty Mutual vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/surety-bonds) - [Liberty Mutual vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/workers-compensation) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/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 Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/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 Liberty Mutual vs Marsh McLennan Agency D&O Insurance ### Sources About Liberty Mutual 1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 3. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### Sources About Marsh McLennan Agency 4. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 5. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 6. [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 7. [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. 8. [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. 9. [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 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/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/liberty-mutual-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)