---
title: "Marsh McLennan Agency vs StartupInsurance.ai: Commercial Property Insurance"
description: "StartupInsurance.ai"
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-startupinsurance"
provider-a: "marsh-mclennan-agency"
provider-b: "startupinsurance"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency and StartupInsurance.ai for Commercial Property 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 Commercial Property Insurance questions about Marsh McLennan Agency versus StartupInsurance.ai. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh McLennan Agency vs StartupInsurance.ai for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Marsh McLennan Agency or StartupInsurance.ai?
- What does Marsh McLennan Agency or StartupInsurance.ai publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from Marsh McLennan Agency or StartupInsurance.ai?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Marsh McLennan Agency and StartupInsurance.ai.
- 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:**
- [Marsh McLennan Agency vs StartupInsurance.ai](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence)
- [Marsh McLennan Agency vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs StartupInsurance.ai: How Do They Compare for Commercial Property Insurance?

StartupInsurance.ai

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency and StartupInsurance.ai for Commercial Property 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.

## Summary

StartupInsurance.ai [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

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

## What Is StartupInsurance.ai?

StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [4](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [11](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Property Detail and Fit

StartupInsurance.ai lists Property for hardware-focused founders and routes inquiries to a specialist; Marsh McLennan Agency describes industry-tailored property placement through an adviser. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

StartupInsurance.ai places Property in a group of physical-risk lines aimed at founders building robots, hardware, energy or defense technology. Marsh McLennan Agency says it tailors commercial property to an organization’s industry and stated risks, but its overview does not identify a startup or hardware focus. A lab or workshop operator can ask each broker how it treats specialized equipment and premises. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Placement and Buyer Process

StartupInsurance.ai says ContractorNerd Insurance Services arranges coverage as an agency and does not underwrite it; its property call to action asks buyers to discuss requirements with a specialist. Marsh McLennan Agency likewise invites an adviser or specialist conversation, while its overview does not name an issuing carrier. Neither description establishes the terms that a specific buyer can obtain, so request the carrier and form. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What to Confirm in Commercial Property Insurance Quotes

- The distinction is useful at intake: StartupInsurance.ai’s property link is not presented as a self-serve quote, and Marsh McLennan Agency’s page also directs buyers to a person. Send each a property schedule, construction details and replacement values, then compare the written response rather than assuming a quote path. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Marsh McLennan Agency commercial property (official overview) | StartupInsurance.ai Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging commercial property for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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..) | StartupInsurance.ai does not underwrite commercial property coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [8](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not commercial-property-specific placement terms..) |
| Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's commercial property policy. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the insurer for a commercial property placement is not disclosed on the pages reviewed and varies by placement..) |
| Who It’s For | Commercial property organizations; exact property classes and terms are set through placement. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning commercial property as a line it places regularly for hardware-adjacent startups with labs, workshops or warehouses, rather than as a rare add-on. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) |
| Coverage Features | The cited product page describes commercial property insurance tailored to an organization's industry and stated property risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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..) | StartupInsurance.ai lists "Property" among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The page uses the single word "Property" rather than "commercial property." [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe building types, business personal property limits, or covered perils..) |
| 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. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | The reviewed pages do not publish sample commercial property building or business-personal-property limits, coinsurance terms, or covered perils. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual 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. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating commercial property is discussed with a specialist rather than quoted through a self-serve form. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Property is not one of them, so it is not part of that self-serve intake flow. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) |

## Full Comparison

- [Marsh McLennan Agency vs StartupInsurance.ai](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Marsh McLennan Agency vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/builders-risk)
- [Marsh McLennan Agency vs StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-auto)
- [Marsh McLennan Agency vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/fiduciary)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property)
- [AIG vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aig-vs-startupinsurance/commercial-property)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property)
- [Alliance Risk vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/commercial-property)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property)
- [Aon vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/aon-vs-startupinsurance/commercial-property)

## Sources

### Marsh McLennan Agency

1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). 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.
2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). 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.
3. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property insurance tailored to industry and unique risks; property page sections.. Accessed 2026-09-30.

### StartupInsurance.ai

4. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
5. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23.
6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23.
7. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.
8. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16.

### Commercial Property Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
11. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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.

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).

## StartupInsurance.ai Reviews

Review Score: not enough ratings.

StartupInsurance.ai 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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-property.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)