Marsh McLennan Agency vs 
Nationwide: How Do They Compare for Surety Bonds?
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 Are Surety Bonds?
A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. 8,9,10,11,12
Key Differences in Surety Bonds
Commercial Obligations and Contract Bonds
Nationwide describes commercial surety as a guarantee that a principal will meet financial-responsibility or compliance obligations. Marsh McLennan Agency names commercial license-and-permit bonds as well as contract surety for project obligations. That gives MMA’s overview a named construction-related track, while Nationwide’s summary frames the commercial obligation more generally. If the obligee requires a particular bond form, compare its wording with the actual forms each provider can place; neither broad product description establishes that every obligation is eligible. 3 7
Underwriting and Starting a Quote
Nationwide says bond form and underwriting depend on the obligation and applicant, and directs prospective buyers to contact an agent or request a quote. MMA likewise invites a conversation with an adviser or surety specialist, while its overview describes customized support for complex risks. Neither page gives a self-service binding route or universal timeline. A buyer can use either contact to identify the right market, but should ask how much financial information, indemnity, and obligee documentation the specific request will require. 3 7
What to Confirm in Surety Bonds Quotes
Marsh McLennan Agency and Nationwide Review Scores for 2026
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
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
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 reviewsMarsh McLennan Agency vs Nationwide Surety Bonds Compared
Marsh McLennan Agency vs Nationwide: Surety Bonds: documented features by provider
| Criteria | Marsh McLennan Agency surety bonds (official overview) | Nationwide surety bonds (official overview) |
|---|---|---|
| Role in This Line | Marsh McLennan Agency describes arranging surety bonds for the audience stated on the cited product page. 3Company-reported. surety bonds 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 surety bonds for the audience stated on the cited product page. 7Company-reported. surety bonds 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 | Organizations of varying sizes; source describes contract surety and commercial programs, including license and permit bonds. 3Company-reported. surety bonds 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. | Businesses and principals seeking commercial bonds; bond form and underwriting depend on obligation and applicant. 7Company-reported. surety bonds 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 contract surety and commercial license-and-permit bonds, with the source describing customized support for complex risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. surety bonds 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 commercial surety bonds that guarantee a bonded principal's financial responsibility or compliance with stated obligations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. surety bonds 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. surety bonds 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. surety bonds 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. |
Related Pages for Marsh McLennan Agency vs Nationwide Surety Bonds
Surety Bonds Pages for Marsh McLennan Agency and Nationwide
Other Coverage Lines Compared for Marsh McLennan Agency vs Nationwide
Other Surety Bonds Provider Comparisons
Sources for Marsh McLennan Agency vs Nationwide Surety Bonds
Sources About 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.
- Surety Bonds to Mitigate Company Risk | MMA. Marsh McLennan Agency; Contract surety and commercial surety sections; contract terms and commercial license/permit bonds. Accessed 2026-09-30.
Sources About 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.
- Commercial Surety Bonds. Nationwide; Commercial surety bond page; bond types and obligations. Accessed 2026-09-30.
Sources for the Surety Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
- Surety bonds. U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
- 40 U.S. Code § 3131 — Bonds of contractors of public buildings or works. Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
- Surety Bonds. Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
- Surety Bonds Insurance. Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance? Accessed 2026-09-16.
