Marsh McLennan Agency vs 
Nationwide: How Do They Compare for Builders Risk Insurance?
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. 1,2
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 4,5,6
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. 8,9,10,11
Key Differences in Builders Risk Insurance
Temporary Structures and Property Scope
Nationwide says its builders-risk coverage includes property under construction, materials, and temporary structures. Marsh McLennan Agency describes a Builders’ Risk Panel for projects under construction or renovation and gives examples of hazards, but its overview does not identify temporary structures as a covered property category. If scaffolding, temporary buildings, or site facilities matter, ask MMA’s adviser to confirm them in writing and ask Nationwide how each item must be valued or scheduled. 7 3
Optional Extensions and Panel Placement
Nationwide lists possible debris-removal, earthquake, flood, and business-income endorsements. Marsh McLennan Agency’s overview instead describes a panel and names fire, theft, vandalism, and natural disasters as example risks, without listing those same extensions. A buyer should compare the declarations and endorsements for the actual project rather than infer that a hazard example includes flood, earthquake, or delay-related income. 7 3
What to Confirm in Builders Risk Insurance Quotes
- Ask Nationwide which listed endorsements are available for this project, their limits, and whether flood or earthquake has a separate deductible. 7
- Ask Marsh McLennan Agency whether its selected form covers temporary structures, debris removal, and business income. 3
- Confirm how each quote treats materials in transit and property after installation. 7 3
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Marsh McLennan Agency
Review Score
2 rated sources
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.[8][9][1]
Read Marsh McLennan Agency reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Marsh McLennan Agency vs Nationwide: Builders Risk Insurance: documented features by provider
| Criteria | Marsh McLennan Agency builders risk (official overview) | Nationwide builders risk (official overview) |
|---|---|---|
| Role in This Line | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. 3Company-reported. builders risk 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. | Nationwide describes offering builders risk for the audience stated on the cited product page. 7Company-reported. builders risk marketed by nationwide; 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 | Construction projects and clients described on the construction page; individual project eligibility is placement-specific. 3Company-reported. builders risk 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. | Construction projects through completion; listed ideal risks include commercial/industrial construction and other named industries. 7Company-reported. builders risk marketed by nationwide; 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 cited product page describes a Builders' Risk Panel for projects under construction or renovation, with example risks including fire, theft, vandalism, and natural disasters. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. builders risk 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. | The cited product page describes property under construction, construction materials, and temporary structures, with optional endorsements such as debris removal, earthquake, flood, and business income. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. builders risk marketed by nationwide; 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 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. 3Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | 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. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | 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. 3Company-reported. builders risk 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. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. builders risk marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Marsh McLennan Agency vs Nationwide Comparisons
Other Builders Risk Insurance Comparisons
Sources
Marsh McLennan Agency
- Who We Are. 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.
- Small Business Insurance Solutions. 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.
- Construction Insurance | MMA. Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services. Accessed 2026-09-30.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Get Builder’s Risk Insurance - Nationwide. Nationwide; Additional builder's risk coverage; property under construction, materials, temporary structures, and endorsement examples. Accessed 2026-09-30.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. 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.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
