Marsh McLennan Agency vs 
Simply Business: How Do They Compare for Workers’ Compensation Insurance?
Simply Business’s cited claim says: “The page explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination.” Its recorded scope says: “Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation 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 selected scopes limit each statement to its cited workers’ compensation material; the evidence does not establish a shared comparison dimension, so this route remains on evidence hold. 6,3
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
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Workers’ Compensation Insurance page
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 4,5
Read the Simply Business profile
Read the Simply Business Workers’ Compensation Insurance page
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 7,8,9,10
Key Differences in Workers’ Compensation Insurance
State-requirement education is not matched by MMA’s general overview
Simply Business’ selected claim says state requirements vary and that a one-person LLC without employees may not have to carry workers’ compensation in many states. Its scope expressly identifies this as general U.S. small-business information, not a jurisdiction-specific legal determination; actual availability and policy terms depend on insurer, state, and buyer. Marsh McLennan Agency’s selected claim describes a business coverage option with broad safety and prevention services, not state-law guidance. 6 3
Evidence boundary for this pair
The reviewed claims address different questions: Simply Business discusses general state and owner-only requirements, while the MMA locator describes a line listing and prevention services. That locator does not establish equivalent state-eligibility guidance or legal advice for an owner-only business. This pair is held rather than treating the unlike claims as a substantive comparison. The hold does not determine what either provider would advise for a particular state. Reopen only when direct sources for both providers address the same jurisdictional eligibility question with matching legal qualifications. 6 3
What to Confirm in Workers’ Compensation Insurance Quotes
Marsh McLennan Agency and Simply Business 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 reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsMarsh McLennan Agency vs Simply Business Workers’ Compensation Compared
Marsh McLennan Agency vs Simply Business: Workers’ Compensation Insurance: documented features by provider
| Criteria | Marsh McLennan Agency workers compensation (official overview) | Workers’ compensation insurance through Simply Business |
|---|---|---|
| Role in This Line | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. 3Company-reported. workers compensation 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. | Confirm in your quote. |
| Who It’s For | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. 3Company-reported. workers compensation 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 explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. 6Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. workers compensation 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 company’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. 6Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | Confirm in your quote. |
| 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. workers compensation 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 company publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. 6,5Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Marsh McLennan Agency vs Simply Business
Workers’ Compensation Pages for Marsh McLennan Agency and Simply Business
Other Coverage Lines Compared for Marsh McLennan Agency vs Simply Business
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Marsh McLennan Agency vs Simply Business
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.
- Business Insurance | MMA. Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention. Accessed 2026-09-30.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
