--- title: "Liberty Mutual vs Marsh McLennan Agency: Employment Practices Liability Insurance" description: "Marsh McLennan Agency describes EPL claims involving discrimination, harassment and failure to provide equal employment opportunity, including defense costs and damages subject to the policy." canonical: "https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "liberty-mutual-vs-marsh-mclennan-agency" provider-a: "liberty-mutual" provider-b: "marsh-mclennan-agency" coverage-line: "employment-practices" --- 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/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual and Marsh McLennan Agency for Employment Practices Liability 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 Employment Practices Liability 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 Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Liberty Mutual or Marsh McLennan Agency? - What does Liberty Mutual or Marsh McLennan Agency publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Liberty Mutual or Marsh McLennan Agency? **Key facts:** - Line: Employment Practices Liability 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 2026-10-01. 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 - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — 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 D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/directors-officers) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs Marsh McLennan Agency: How Do They Compare for Employment Practices Liability Insurance? Marsh McLennan Agency describes EPL claims involving discrimination, harassment and failure to provide equal employment opportunity, including defense costs and damages subject to the policy. ## How to Use the Liberty Mutual vs Marsh McLennan Agency Employment Practices Liability Insurance Comparison Use this comparison to evaluate Liberty Mutual and Marsh McLennan Agency for Employment Practices Liability 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 Employment Practices Liability Insurance Summary Marsh McLennan Agency describes EPL claims involving discrimination, harassment and failure to provide equal employment opportunity, including defense costs and damages subject to the policy. [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 Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [7](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [8](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [9](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between Liberty Mutual and Marsh McLennan Agency Employment Practices Liability Insurance? ### Claims and scope in the reviewed records Marsh McLennan Agency describes EPL claims involving discrimination, harassment and failure to provide equal employment opportunity, including defense costs and damages subject to the policy. Liberty Mutual’s ProShield overview specifically calls out third-party coverage but leaves exact definitions and exclusions to the form. Employers should compare whose conduct and which claimant relationships trigger coverage under each proposal. [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") ### Placement and policy structure Marsh McLennan Agency invites employers to contact an adviser about placement; Liberty Mutual includes EPL within ProShield’s combined management-liability package. The adviser route may produce insurer-specific wording, while the package bundles related sections. Neither overview gives a quote-level schedule, so compare the named carrier, aggregate and any sublimits in writing. [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 Employment Practices Liability Insurance Quotes? - How does the MMA quote define third-party claimants and equal-opportunity allegations? What ProShield definitions and exclusions apply? Identify each issuing insurer, limit, retention and package-wide aggregate. ## Liberty Mutual vs Marsh McLennan Agency Employment Practices Liability Compared | Criteria | Liberty Mutual ProShield Employment Practices Liability | Marsh McLennan Agency employment practices (official overview) | | --- | --- | --- | | Role in This Line | Liberty Mutual includes employment practices liability 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 employment practices 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: employment practices 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 scopes the package to private and not-for-profit organizations and lists coverage for certain workers and volunteers; a quote is needed to establish applicant eligibility. [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..) | Employers and organizations seeking executive liability solutions; claim and policy conditions remain form-specific. [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices 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 describes protection for the financial impact of employment-related lawsuits and lists selected features including third-party coverage; exact definitions and exclusions depend on the policy. [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 EPL for employment-related claims such as discrimination, harassment, or failure to provide equal employment opportunity, including described defense costs and damages. 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: employment practices 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: employment practices 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 - [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 Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [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 D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh-mclennan-agency/directors-officers) - [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 Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) - [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) - [Alliance Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/employment-practices) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) - [Amelia Risk vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/employment-practices) ## Sources for Liberty Mutual vs Marsh McLennan Agency ### 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; Employment Practices Liability section; example employment claims, defense costs, and damages.. Accessed 2026-09-30. ### Sources for the Employment Practices Liability Insurance Guide 7. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 8. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 9. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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. ## 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/employment-practices.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)