---
title: "Marsh McLennan Agency vs Travelers: Workers’ Compensation Insurance"
description: "Travelers’s cited claim says: “Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone.” Its recorded scope says: “Workers-compensation product page, as read on 2026-09-23.” 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.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "marsh-mclennan-agency-vs-travelers"
provider-a: "marsh-mclennan-agency"
provider-b: "travelers"
coverage-line: "workers-compensation"
---

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-travelers/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency and Travelers for Workers’ Compensation 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 Workers’ Compensation Insurance questions about Marsh McLennan Agency versus Travelers. 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 Travelers for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Marsh McLennan Agency or Travelers?
- What does Marsh McLennan Agency or Travelers publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Marsh McLennan Agency or Travelers?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Marsh McLennan Agency and Travelers.
- 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 Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence)
- [Marsh McLennan Agency vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Travelers Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs Travelers: How Do They Compare for Workers’ Compensation Insurance?

Travelers’s cited claim says: “Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone.” Its recorded scope says: “Workers-compensation product page, as read on 2026-09-23.” 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.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold.

## How to Use the Marsh McLennan Agency vs Travelers Workers’ Compensation Insurance Comparison

Use this comparison to evaluate Marsh McLennan Agency and Travelers for Workers’ Compensation 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 Travelers Workers’ Compensation Insurance Summary

Travelers’s cited claim says: “Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone.” Its recorded scope says: “Workers-compensation product page, as read on 2026-09-23.” 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. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | 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 Travelers Insurance?

Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between Marsh McLennan Agency and Travelers Workers’ Compensation Insurance?

### Travelers’ role claim cannot be contrasted with a product listing

Travelers’ selected claim says it directly underwrites workers’ compensation as a standalone line and reports providing risk-control and claim services. Its scope points to the workers’ compensation product page as read on 2026-09-23. Marsh McLennan Agency’s selected claim describes the line alongside broad safety and prevention support, but its cited overview locator does not identify an underwriting, brokerage, or state-fund role. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

### Evidence boundary for this pair

The records do not document both providers’ roles or compare state routes at matching scope. The MMA overview’s silence does not establish a different insurer, an intermediary role, or state availability. Its general prevention wording also does not describe services in enough detail to compare with Travelers’ claim-and-risk-control statement. This route is held pending a direct MMA workers’ compensation source on role or a pair of equally specific service descriptions. No conclusion is drawn about whether either provider can serve a particular location or workforce. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

## What Should You Confirm in Marsh McLennan Agency and Travelers Workers’ Compensation Insurance Quotes?

- Which direct MMA workers’ compensation source identifies its role and state-routing process? [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")
- Which current Travelers source supports the role and service scope for the specific locations? [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## Marsh McLennan Agency vs Travelers Workers’ Compensation Compared

| Criteria | Marsh McLennan Agency workers compensation (official overview) | Travelers Workers Compensation Insurance |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: 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..) | Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| Who It’s For | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: 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..) | Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' section..) |
| 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. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: 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..) | Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| 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/services/business-insurance.html "Business 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..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |
| 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/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: 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..) | Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |

## Related Pages for Marsh McLennan Agency vs Travelers

- [Marsh McLennan Agency vs Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [Marsh McLennan Agency vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit)
- [Marsh McLennan Agency vs Travelers Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto)
- [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property)
- [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime)
- [Marsh McLennan Agency vs Travelers Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cyber)
- [Marsh McLennan Agency vs Travelers D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/directors-officers)
- [Marsh McLennan Agency vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/employment-practices)
- [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary)
- [Marsh McLennan Agency vs Travelers General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/general-liability)
- [Marsh McLennan Agency vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/kidnap-ransom)
- [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/professional-errors-omissions)
- [Marsh McLennan Agency vs Travelers Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/surety-bonds)
- [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation)
- [AIG vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-travelers/workers-compensation)
- [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation)
- [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation)

## Sources for Marsh McLennan Agency vs Travelers

### 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. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30.

### Sources About Travelers

4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
7. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. Accessed 2026-09-23.

### Sources for the Workers’ Compensation Insurance Guide

8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). 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.

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).

## Travelers Review Scores for 2026

Review Score: 4.8 / 10 from 3 rated sources, equally weighted.

Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.

- 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 Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance)
- Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/workers-compensation.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)