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Marsh McLennan Agency vs RiskCube

Marsh McLennan Agency lists builders risk, cargo transit, commercial auto; RiskCube lists generative ai liability, key person, technology E&O. Their published catalogs also share 6 lines, including crime, cyber, directors and officers. Use the differences to frame the same quote request for both, then confirm the producer, insurer, and policy terms; a listed product does not establish availability or equivalent coverage. 15,2,25,24,12,23

Introduction

Coverage Comparison

CoverageMarsh McLennan AgencyRiskCube
Builders riskListed 12Not listed
Cargo and transitListed 9Not listed
Commercial autoListed 15Not listed
Commercial propertyListed 15Not listed
CrimeListed 7Listed 23RiskCube arranges commercial crime insurance for startups.
Cyber liabilityListed 15Listed 23RiskCube arranges cyber insurance for startups.
Directors and officersListed 7Listed 23RiskCube arranges directors and officers liability insurance for startups.
Employment practices liabilityListed 7Listed 23RiskCube arranges employment practices liability insurance for startups.
Fiduciary liabilityListed 7Listed 23RiskCube arranges fiduciary liability insurance for startups.
General liabilityListed 15Listed 23RiskCube arranges general liability insurance for startups.
Generative AI liabilityNot listedListed 23RiskCube markets AI insurance for startups building AI products.
Intellectual propertyListed 7Not listed
Key personNot listedListed 27RiskCube markets key person life insurance placement for startups.
Kidnap and ransomListed 7Not listed
Media liabilityListed 7Not listed
Professional errors and omissions (E&O)Listed 15Not listed
Surety bondsListed 16Not listed
Technology errors and omissions (E&O)Not listedListed 25RiskCube arranges technology errors and omissions insurance for startups.
Workers’ compensationListed 15Not listed

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Marsh McLennan Agency

Broker

Broker

No Spot Score

Assessment subject unavailable

Provider assessment

RiskCube

Broker

Broker

5.9/ 10

Assessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.

Provider assessment

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

8.2/ 10

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 reviews

RiskCube

-/ 10

Review Score

RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]

Read RiskCube reviews

Where the Buying Paths Differ

Marsh McLennan Agency describes its route this way: MMA lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability for small businesses, and invites buyers to call for a personalized quote. It does not describe an online purchase or binding route. 15 RiskCube describes its route this way: Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 25 The useful distinction is where the first submission goes and who continues with the account. Ask who gathers information, who can bind, which legal producer appears on the proposal, and who remains your day-to-day contact; a quote request alone does not establish an issued policy.

Customer Fit and Published Product Menus

Marsh McLennan Agency lists its business focus as Business insurance and employee health and benefits, with retirement, wealth, and private-client services also listed for the United States and Canada. 2 RiskCube lists its business focus as Startups and growing businesses 24 Match those stated audiences to your operations, locations, contracts, and loss history, then ask which practice or team would service the account. A stated focus is not an eligibility decision.

The published catalogs list Marsh McLennan Agency lines not listed by RiskCube: builders risk, cargo transit, commercial auto; RiskCube lines not listed by Marsh McLennan Agency: generative ai liability, key person, technology E&O. These differences do not establish that either company excludes a line or will quote your risk. 12 9 15 7 23 27 25

Both providers list crime, cyber, directors and officers, employment practices, fiduciary, general liability. Treat that overlap as a shortlist for a side-by-side proposal review, not proof of matching policy language. For each line, compare the named insurer, insured entities, limits, deductibles or retentions, exclusions, endorsements, retroactive dates where relevant, and state-specific terms. 7 15 23

Service and Quote Questions

For Marsh McLennan Agency, published service information says: MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. 13 For RiskCube, it says: RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. 19 22 Before binding, agree on routine endorsement requests, certificates, renewal timing, claim-notice instructions, and any fee or commission disclosure that applies to your account. Claims assistance or a service portal does not determine whether a loss is covered.

For a useful quote comparison, request the same limits and relevant endorsements from both sides, then check the full forms and itemized premium, fees, taxes, and financing charges. Confirm any account-specific unknowns with the producer and insurer named on the proposal.

Compare Services

What each provider documents about the services you may need

CriteriaMarsh McLennan AgencyRiskCube
Business role

As of 2026-09-28, Marsh’s US legal-entity page lists Marsh & McLennan Agency LLC as the current entity name for Marsh Agency (formerly MMA) and Marsh Agency LLC as proposed, with displayed state completion statuses marked TBD. Louisiana’s regulator lists Marsh & McLennan Agency LLC as a producer agency with active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31. This is Louisiana-specific producer evidence, not evidence of an insurer role or nationwide licensing. 10,1Verified. Current entity name and proposed legal-name transition as listed on Marsh’s US legal-entity page, plus producer-authority evidence for Louisiana only, accessed 2026-09-28. No other state licensing was audited; this record does not establish an insurer or underwriting role.

Marsh McLennan Agency describes itself as a business of Marsh and lists business insurance, employee health and benefits, retirement and wealth, and private-client insurance services across the United States and Canada. 2Company-reported. Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role.

RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 22,21Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Customer focus

MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. 13Company-reported. Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold.

MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. These are examples of stated sector focus, not a complete appetite or eligibility list. 8Company-reported. Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list.

Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 24Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Application process

MMA’s US small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability, and invites buyers to call 833-256-4266 for a personalized quote. The page also contains a small-business specialist form, but its function and any online application, purchase, or binding route are not established by the page reviewed. 15Company-reported. US small-business landing page only. The phone invitation does not establish quote speed, eligibility, online purchase or binding; the embedded specialist form's function was not established.

RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 19,29Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 25Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. 22Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Servicing and renewals

MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. 13Company-reported. Only the announced Marsh Agency rebrand and its stated effect on existing clients; this does not document MMA’s general renewal workflow, renewal service level, or policy terms.

MMA’s Tampa office page lists InsurLink for policy and endorsement access, CSR24 for certificates, carrier contact information for commercial and personal-lines claims, and a local-consultant contact route. 17Company-reported. Services and client tools listed on the Tampa, Florida office page only. The claims listing provides carrier contact information and does not establish that MMA adjusts claims.

RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. 19,22Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

RiskCube says it reviews vendor insurance requirements and requested endorsements, but warns AI-assisted output may be incomplete; verify each contract term yourself. 24,22Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Claims assistance

On its business-interruption page, MMA says it will advocate with insurers for clients if complex claim issues arise. This is a company-reported service statement; it does not establish claim outcomes or an adjusting/payment role. 3Company-reported. Company-described support for complex claims in the business-income and contingent-business-interruption page context; not a promise of claim outcomes or evidence that MMA adjusts or pays claims.

RiskCube says a human advocate works with the insurer from first notice through resolution; this is promised assistance, not evidence of claim outcomes. 24Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Sources

Marsh McLennan Agency Official Website

  1. Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC. Louisiana Department of Insurance; Producer Agency Detail, lines 7-49: entity, producer-agency classification, license number, authorities and validity through 2028-03-31; lines 53-57: historical 2010 lapse/resume entries; lines 69-72: entity-record actions display. Accessed 2026-09-28.
  2. 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.
  3. Business Interruption Insurance. Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
  4. Casualty. Marsh McLennan Agency; Lines 203-205 and 211-224: casualty advisory, claims advocacy, risk analytics and workers’ compensation. No adjusting or paying role established. Accessed 2026-09-29.
  5. Cyber. Marsh McLennan Agency; Lines 205-207: network security, privacy, technology and emerging cyber risks; lines 226-228: prepare, mitigate, respond, recover, claims advocacy and carrier liaison. Company-reported support, not outcomes or insurer identity. Accessed 2026-09-29.
  6. US and Canada Legal Entities. Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
  7. Executive and Professional Liability. Marsh McLennan Agency; Lines 204-210 name D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, architects and engineers, lawyers professional, kidnap and ransom; lines 211-213 explain D&O; following section explains EPL. Lists do not establish policy terms. Accessed 2026-09-29.
  8. Insurance Services for All Industries. Marsh McLennan Agency; National US industry directory, lines 209-252; examples include construction (219), financial institutions (224), healthcare (229), manufacturing (236), real estate (243), and transportation and trucking (252). Accessed 2026-09-28.
  9. International. Marsh McLennan Agency; Lines 204-206 and 228-231: international placement; business travel accident, control master, foreign package, K&R, political risk/trade credit, surety, marine cargo. Not a domestic availability guarantee. Accessed 2026-09-29.
  10. Marsh legal entities. Marsh; Marsh Agency formerly known as MMA, US entities and proposed-name status, lines 528-587: current Marsh & McLennan Agency LLC, proposed Marsh Agency LLC, listed state statuses TBD. Accessed 2026-09-28.
  11. Producer/Adjuster Search — producer agency detail. Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
  12. Property Insurance. Marsh McLennan Agency; Lines 205-210 describe commercial property and physical assets; property page coverage section also lists builders’ risk. Company marketing only; no policy wording, limits, exclusions, insurer, or eligibility. Accessed 2026-09-29.
  13. Rebranding to Marsh Agency. Marsh McLennan Agency; Accepted repaired inspection lines 215-224: account/team/contact and existing policy continuity through transition, legal name may appear at renewal. Transition statement only; not general renewal workflow. Accessed 2026-09-29.
  14. Business Insurance. Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
  15. 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.
  16. Surety. Marsh McLennan Agency; Lines 205-207 and 224-233: surety, contract/commercial surety, and license/permit bonds. No surety carrier, collateral, price, or issuance time established. Accessed 2026-09-29.
  17. Tampa, Florida. Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
  18. Thompkins Masonic Insurance Program. Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.

RiskCube Official Website

  1. Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
  2. Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  3. Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
  4. Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
  5. Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
  6. Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
  7. Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
  8. Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
  9. Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
  10. Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
  11. Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
  12. Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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