---
title: "Liberty Mutual vs Marsh: Builders Risk Insurance"
description: "Marsh McLennan Agency names hazard assessment, valuation, modeling, and risk-control services for builders risk; Liberty Mutual describes insurer-side underwriting, engineering, and claims teams."
canonical: "https://spot.insure/compare/liberty-mutual-vs-marsh/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-marsh"
provider-a: "liberty-mutual"
provider-b: "marsh"
coverage-line: "builders-risk"
---

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/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and Marsh for Builders Risk 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 Builders Risk Insurance questions about Liberty Mutual versus Marsh. 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 for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Liberty Mutual or Marsh?
- What does Liberty Mutual or Marsh publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Liberty Mutual or Marsh?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Liberty Mutual and Marsh.
- 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](https://spot.insure/compare/liberty-mutual-vs-marsh) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [Liberty Mutual vs Marsh Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Management Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/management-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh Builders Risk Insurance](https://spot.insure/compare/aon-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Marsh: How Do They Compare for Builders Risk Insurance?

Marsh McLennan Agency names hazard assessment, valuation, modeling, and risk-control services for builders risk; Liberty Mutual describes insurer-side underwriting, engineering, and claims teams.

## How to Use the Liberty Mutual vs Marsh Builders Risk Insurance Comparison

Use this comparison to evaluate Liberty Mutual and Marsh for Builders Risk 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 Builders Risk Insurance Summary

Marsh McLennan Agency lists valuation, catastrophe modeling, claims advocacy, and risk control; Liberty Mutual describes coordinated property underwriting, engineering, and claims teams. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

## 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?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [13](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## What Are the Key Differences Between Liberty Mutual and Marsh Builders Risk Insurance?

### Property Risk Services

Marsh McLennan Agency (MMA) says its property practice provides hazard assessment and valuation, loss and catastrophe modeling, claims advocacy, risk control before and after a loss, and program design. Liberty Mutual describes property underwriting, risk-engineering, and claims teams working together on complex risks. MMA is the brokerage service route; Liberty Mutual describes teams within the insurer. Ask who will perform each task and whether it is part of the builders-risk placement. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

### Materials During Construction

MMA's coverage description includes additions, alterations, foundations, temporary structures, and materials owned by the insured, with limited coverage for materials belonging to others. Liberty Mutual names materials, labor, management fees, temporary structures, and landscaping, while stating that the form controls actual terms. If contractors or subcontractors own materials at the site, compare the scheduled property and ownership wording on the proposed forms. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [3](https://business.libertymutual.com/commercial-solutions/property/ "Property")

## What Should You Confirm in Liberty Mutual and Marsh Builders Risk Insurance Quotes?

- Ask MMA how its limited coverage for others' materials applies to subcontractor-owned property and which insurer will issue the policy. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Ask Liberty Mutual for the selected form's treatment of foundations, alterations, landscaping, and temporary structures. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property")
- Compare valuation assumptions, limits, deductibles, and included risk-control work in the proposals. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

## Liberty Mutual vs Marsh Builders Risk Insurance Compared

| Criteria | Liberty Mutual Builder’s Risk | Marsh McLennan Agency Builders' Risk Insurance |
| --- | --- | --- |
| Role in This Line | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (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 (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Builders' Risk subsection..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific builders' risk insurer. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Not publicly disclosed; scope: MMA property insurance page as read on 2026-09-23..) |
| Who It’s For | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (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. |
| Coverage Features | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (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..) | MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page; illustrative description, not a specific policy form..) |
| 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-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| Risk Services | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [3](https://business.libertymutual.com/commercial-solutions/property/ "Property") [4](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (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..) | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk..) |
| How to Apply | Confirm in your quote. | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page..) |

## Related Pages for Liberty Mutual vs Marsh Builders Risk Insurance

- [Liberty Mutual vs Marsh](https://spot.insure/compare/liberty-mutual-vs-marsh): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Liberty Mutual vs Marsh Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/commercial-property)
- [Liberty Mutual vs Marsh Crime Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/crime)
- [Liberty Mutual vs Marsh Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/cyber)
- [Liberty Mutual vs Marsh D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/directors-officers)
- [Liberty Mutual vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/employment-practices)
- [Liberty Mutual vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/equipment-breakdown)
- [Liberty Mutual vs Marsh Fidelity Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/fidelity-bonds)
- [Liberty Mutual vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/fiduciary)
- [Liberty Mutual vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/kidnap-ransom)
- [Liberty Mutual vs Marsh Management Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/management-liability)
- [Liberty Mutual vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/professional-errors-omissions)
- [Liberty Mutual vs Marsh Surety Bonds](https://spot.insure/compare/liberty-mutual-vs-marsh/surety-bonds)
- [Liberty Mutual vs Marsh Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/technology-errors-omissions)
- [Liberty Mutual vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-marsh/workers-compensation)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk)
- [AIG vs Marsh Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh/builders-risk)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk)
- [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk)
- [Aon vs Marsh Builders Risk Insurance](https://spot.insure/compare/aon-vs-marsh/builders-risk)

## Sources for Liberty Mutual vs Marsh Builders Risk 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. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29.
4. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30.

### Sources About Marsh

5. [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.
6. [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; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
7. [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.
8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
9. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Builders' Risk subsection under Property Insurance: risks unique to a building during construction, including additions and alterations, foundations, temporary structures, materials and supplies; Program design expertise; Benefits of Property Insurance. Accessed 2026-09-23.

### Sources for the Builders Risk Insurance Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
12. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
13. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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 Review Scores for 2026

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/marsh/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-vs-marsh/builders-risk.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)