---
title: "Marsh McLennan Agency vs The Hartford: Commercial Property Insurance"
description: "The Hartford details covered property, business-interruption protection and common exclusions; Marsh McLennan Agency describes tailoring property coverage without listing those terms on its overview."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-the-hartford"
provider-a: "marsh-mclennan-agency"
provider-b: "the-hartford"
coverage-line: "commercial-property"
---

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-the-hartford/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency and The Hartford 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 The Hartford. 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 The Hartford for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Marsh McLennan Agency or The Hartford?
- What does Marsh McLennan Agency or The Hartford 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 The Hartford?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Marsh McLennan Agency and The Hartford.
- 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 The Hartford](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford) — 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)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Marsh McLennan Agency vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs The Hartford Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/professional-errors-omissions) — 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 The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/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 The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/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 The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs The Hartford: How Do They Compare for Commercial Property Insurance?

The Hartford details covered property, business-interruption protection and common exclusions; Marsh McLennan Agency describes tailoring property coverage without listing those terms on its overview.

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency and The Hartford 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

The Hartford details covered property, business-interruption protection and common exclusions; Marsh McLennan Agency describes tailoring property coverage without listing those terms on its overview. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## 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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Property Detail and Fit

The Hartford says its policy can cover buildings, equipment, tools, inventory and furniture after listed events such as fire, theft, wind and lightning, and includes lost income during repairs. Marsh McLennan Agency describes tailoring coverage to an organization’s industry and risks but does not list comparable property or perils. Ask Marsh McLennan Agency to itemize the same categories before treating its proposal as equivalent. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

The Hartford is available alone or inside a BOP and permits online or phone claim filing. Marsh McLennan Agency’s overview describes an adviser-led placement and gives no claim-reporting route. The Hartford also names exclusions such as nearby natural flooding and damage to a customer’s laptop. Confirm those scenarios against the actual forms and identify the claims contact before binding. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

### Placement and Buyer Process

The Hartford publishes an average annual premium and a broad deductible range, but the figure is not a quote for your business. Marsh McLennan Agency does not set universal limits or retentions in the overview. Compare buyer-specific quotes and deductibles, not a general average against an unpriced placement. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## What to Confirm in Commercial Property Insurance Quotes

- Ask The Hartford whether nearby flooding, customer-owned equipment damage and your business-interruption period are covered in the quoted form. Ask Marsh McLennan Agency for the same peril list, deductible, claim contact and written limits before comparing price. [3](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance")

## Offering Details

| Criteria | Marsh McLennan Agency commercial property (official overview) | The Hartford 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..) | The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| 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 Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23..) |
| 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..) | The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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 Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-reported average and deductible range as of 2026-09-23; not a specific 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..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. [7](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes..) |

## Full Comparison

- [Marsh McLennan Agency vs The Hartford](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford): 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 The Hartford Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/commercial-auto)
- [Marsh McLennan Agency vs The Hartford Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/crime)
- [Marsh McLennan Agency vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/employment-practices)
- [Marsh McLennan Agency vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/fiduciary)
- [Marsh McLennan Agency vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/professional-errors-omissions)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property)
- [AIG vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aig-vs-the-hartford/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 The Hartford Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/commercial-property)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property)
- [Aon vs The Hartford Commercial Property Insurance](https://spot.insure/compare/aon-vs-the-hartford/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.

### The Hartford

4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
5. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
6. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
7. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; What Is Commercial Property Insurance?; Who Needs Commercial Property Insurance; How Much Is Commercial Property Insurance; What Doesn't Property Insurance for Commercial Buildings Cover?; What Is the Standard Deductible; Making a Commercial Property Insurance Claim. Accessed 2026-09-23.

### Commercial Property Insurance Guide

8. [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.
9. [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.
10. [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).

## The Hartford Reviews

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-the-hartford/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)