--- title: "Marsh McLennan Agency vs StartupInsurance.ai: D&O Insurance" description: "StartupInsurance.ai reports blanket AI exclusions in some D&O forms; Marsh McLennan Agency describes defense costs for wrongful acts." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "marsh-mclennan-agency-vs-startupinsurance" provider-a: "marsh-mclennan-agency" provider-b: "startupinsurance" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and StartupInsurance.ai for D&O 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 D&O 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 D&O Insurance: how do they differ? - Which is better for D&O Insurance, Marsh McLennan Agency or StartupInsurance.ai? - What does Marsh McLennan Agency or StartupInsurance.ai publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Marsh McLennan Agency or StartupInsurance.ai? **Key facts:** - Line: D&O 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 2026-10-01. 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 - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — 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 Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-property) — 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) - [Marsh McLennan Agency vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs StartupInsurance.ai: How Do They Compare for D&O Insurance? StartupInsurance.ai reports blanket AI exclusions in some D&O forms; Marsh McLennan Agency describes defense costs for wrongful acts. ## How to Use the Marsh McLennan Agency vs StartupInsurance.ai D&O Insurance Comparison Use this comparison to evaluate Marsh McLennan Agency and StartupInsurance.ai for D&O 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. ## Marsh McLennan Agency vs StartupInsurance.ai D&O Insurance Summary StartupInsurance.ai says a major carrier added a blanket AI exclusion to D&O and reviews existing policies for it; Marsh McLennan Agency describes wrongful-act defense costs. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## 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 Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Marsh McLennan Agency and StartupInsurance.ai D&O Insurance? ### AI exclusion wording and D&O defense StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O, E&O and fiduciary forms, often at renewal, and that it checks existing D&O policies for the exclusion. Marsh McLennan Agency’s D&O claim describes defense costs for alleged wrongful acts. For a board claim involving AI disclosures, compare the actual endorsement language with the defense grant and ask whether an exclusion modifies the response to that alleged act. The reported market example does not establish that any specific quoted policy contains the exclusion. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Contract requirements and policy response StartupInsurance.ai’s page connects AI exclusions with contract gaps found in existing programs. MMA’s product claim describes defense costs for alleged wrongful acts. If an investor or customer agreement requires D&O, ask each provider to compare the contract requirement with the actual proposed wording and identify whether any AI-related endorsement changes the defense grant. Treat StartupInsurance.ai’s review as a company-described service, not a determination that a specific policy has a gap. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Should You Confirm in Marsh McLennan Agency and StartupInsurance.ai D&O Insurance Quotes? - Ask StartupInsurance.ai to show the AI exclusion language it looks for and whether a proposed replacement form contains it. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask Marsh McLennan Agency to show how the proposed defense grant interacts with any AI exclusion. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## Marsh McLennan Agency vs StartupInsurance.ai D&O Insurance Compared | Criteria | Marsh McLennan Agency directors officers (official overview) | StartupInsurance.ai Directors & Officers (D&O) Insurance | | --- | --- | --- | | Role in This Line | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers 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 directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) | | Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names insurers with D&O capacity, such as Chubb (shown as A++ Admitted) and Coalition (shown as A- Surplus), but does not state that either one specifically underwrites D&O placements; the issuing insurer varies by placement. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel and ratings card; the panel is program-wide, not broken out by coverage line..) | | Who It’s For | Corporate executives, board members, and their organizations, as described by the source. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers 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 frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) | | Coverage Features | The cited product page describes D&O for alleged wrongful acts by directors or officers, including described defense costs for civil and criminal actions and investigations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers 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 says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) | | 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/executive-and-professional-liability.html "Executive and Professional Liability | 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..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. [5](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy..) | | 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/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers 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..) | Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | ## Related Pages for Marsh McLennan Agency vs StartupInsurance.ai D&O - [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 Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [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 Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/commercial-property) - [Marsh McLennan Agency vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/fiduciary) - [Marsh McLennan Agency vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/general-liability) - [Marsh McLennan Agency vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-startupinsurance/surety-bonds) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) - [AIG vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) - [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) - [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) ## Sources for Marsh McLennan Agency vs StartupInsurance.ai D&O Insurance ### Sources About 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. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Directors and Officers section; claims for alleged wrongful acts and defense costs.. Accessed 2026-09-30. ### Sources About 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; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. 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. ### Sources for the D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16. Updated 2026-10-01. 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 Review Scores for 2026 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 Review Scores for 2026 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/directors-officers.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)