---
title: "Marsh McLennan Agency vs WithCoverage"
description: "Compare Marsh McLennan Agency and WithCoverage on documented customer fit, product overlap, quote access, and the questions to resolve before choosing a policy."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-withcoverage)

# Marsh McLennan Agency vs WithCoverage

Compare Marsh McLennan Agency and WithCoverage on documented customer fit, product overlap, quote access, and the questions to resolve before choosing a policy.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Marsh McLennan Agency lists commercial auto, crime, employment practices; WithCoverage lists liquor liability, product liability, product recall. Their published catalogs also share 8 lines, including builders risk, cargo transit, commercial property. Use the differences to frame the same quote request for both, then confirm the producer, insurer, and policy terms; a listed product does not establish availability or equivalent coverage. [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [2](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") [19](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Marsh McLennan Agency

Role: Broker.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.; Completion status by state for proposed Marsh Agency LLC name.; Issuing insurer/program administrator for each quote.; MMA-entity financial statements, liquidity or parent support obligation.; Named carrier appointments, placement shares and line-specific network evidence.; A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.; Buyer-specific compensation, service agreement and fee/commission terms.; Full policy forms, limits, retentions, exclusions and claims administrator.; Alaska Division of Insurance orders naming the company (such as D23-03) were found but the PDF is a scanned image, so amounts and findings are unknown.; Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.; MMA operates in Canada too; no Canadian provincial regulator was researched.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/marsh-mclennan-agency/reliability).

### WithCoverage

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/withcoverage/reliability).

## 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).

## WithCoverage Reviews

Review Score: not enough ratings.

We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.

- FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage)

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





## Coverage Comparison

| Coverage Type | Marsh McLennan Agency | WithCoverage |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed [12](https://www.marshmma.com/us/solutions/property.html "Property Insurance") | Listed: WithCoverage reviews builders risk exposures in construction insurance programs and offers broker-transition support. [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed [9](https://www.marshmma.com/us/solutions/international.html "International") | Listed: WithCoverage reviews cargo exposures in consumer-business insurance programs and offers broker-transition support. [23](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses. [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| [Crime](https://spot.insure/coverage/crime) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support. [22](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Listed: WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support. [22](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses. [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Not listed | Listed: WithCoverage includes liquor liability in its restaurant insurance-program services. [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |
| [Media liability](https://spot.insure/coverage/media) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: WithCoverage includes product liability in its consumer insurance-program review services. [23](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: WithCoverage includes product recall in its consumer insurance-program review services. [23](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: WithCoverage includes errors and omissions in its technology insurance-program review services. [22](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed [16](https://www.marshmma.com/us/solutions/surety.html "Surety") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: WithCoverage includes umbrella coverage in its insurance-program reviews, for example for construction businesses. [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses. [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Where the Buying Paths Differ

Marsh McLennan Agency describes its route this way: MMA lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability for small businesses, and invites buyers to call for a personalized quote. It does not describe an online purchase or binding route. [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") WithCoverage describes its route this way: The portfolio page describes appointing WithCoverage on existing policies by signing a broker-of-record letter. This changes your broker, not the policy itself. The page says the transfer has no additional charge. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") The useful distinction is where the first submission goes and who continues with the account. Ask who gathers information, who can bind, which legal producer appears on the proposal, and who remains your day-to-day contact; a quote request alone does not establish an issued policy.

## Customer Fit and Published Product Menus

Marsh McLennan Agency lists its business focus as Business insurance and employee health and benefits, with retirement, wealth, and private-client services also listed for the United States and Canada. [2](https://www.marshmma.com/us/mma/about-us.html "Who We Are") WithCoverage lists its business focus as Growing businesses [19](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [20](https://www.withcoverage.com/company "About WithCoverage") Match those stated audiences to your operations, locations, contracts, and loss history, then ask which practice or team would service the account. A stated focus is not an eligibility decision.

The published catalogs list Marsh McLennan Agency lines not listed by WithCoverage: commercial auto, crime, employment practices; WithCoverage lines not listed by Marsh McLennan Agency: liquor liability, product liability, product recall. These differences do not establish that either company excludes a line or will quote your risk. [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") [12](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [23](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

Both providers list builders risk, cargo transit, commercial property, cyber, directors and officers, general liability, professional E&O, workers’ compensation. Treat that overlap as a shortlist for a side-by-side proposal review, not proof of matching policy language. For each line, compare the named insurer, insured entities, limits, deductibles or retentions, exclusions, endorsements, retroactive dates where relevant, and state-specific terms. [12](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [9](https://www.marshmma.com/us/solutions/international.html "International") [24](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [23](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

## Service and Quote Questions

For Marsh McLennan Agency, published service information says: MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. [13](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") For WithCoverage, it says: The portfolio page says WithCoverage is not a law firm and does not provide legal services. Confirm what its attorneys’ involvement includes. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") Before binding, agree on routine endorsement requests, certificates, renewal timing, claim-notice instructions, and any fee or commission disclosure that applies to your account. Claims assistance or a service portal does not determine whether a loss is covered.

For a useful quote comparison, request the same limits and relevant endorsements from both sides, then check the full forms and itemized premium, fees, taxes, and financing charges. Confirm any account-specific unknowns with the producer and insurer named on the proposal.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Marsh McLennan Agency | WithCoverage |
| --- | --- | --- |
| Business role | As of 2026-09-28, Marsh’s US legal-entity page lists Marsh & McLennan Agency LLC as the current entity name for Marsh Agency (formerly MMA) and Marsh Agency LLC as proposed, with displayed state completion statuses marked TBD. Louisiana’s regulator lists Marsh & McLennan Agency LLC as a producer agency with active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31. This is Louisiana-specific producer evidence, not evidence of an insurer role or nationwide licensing. [10](https://www.marsh.com/en/about/legal-entity-us-ca.html "Marsh legal entities") [1](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency "Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC") (Evidence: Verified; scope: Current entity name and proposed legal-name transition as listed on Marsh’s US legal-entity page, plus producer-authority evidence for Louisiana only, accessed 2026-09-28. No other state licensing was audited; this record does not establish an insurer or underwriting role.; verified: 2026-09-28.)<br><br>Marsh McLennan Agency describes itself as a business of Marsh and lists business insurance, employee health and benefits, retirement and wealth, and private-client insurance services across the United States and Canada. [2](https://www.marshmma.com/us/mma/about-us.html "Who We Are") (Evidence: Company-reported; scope: Current MMA company description. Does not establish corporate ownership structure, the legal entity for a particular placement, or an insurer role.; verified: 2026-09-29.) | WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. You can have existing policies reviewed, compare insurance options and manage the program with its team. [19](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [20](https://www.withcoverage.com/company "About WithCoverage") [27](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") (Evidence: Company-reported; scope: Business/service description; not a statement that the brand bears insured risk or a verified service outcome.; verified: 2026-09-15.)<br><br>The terms name With Coverage Inc. and With Coverage Insurance Services LLC. The latter also appears in a Mississippi corporate filing under insurance agencies and brokerages. These identify the business entities; the terms assign policy obligations to the issuing insurer. [21](https://www.withcoverage.com/legal/terms "Terms & Conditions") [32](https://corp.sos.ms.gov/corpconv/portal/c/ExecuteWorkflow.aspx?FilingId=931dea05-c719-4332-b9ed-52e515759e31&workflowid=g12dbd558-fa5d-49a1-a869-ad8b9db198db "With Coverage Insurance Services LLC — Foreign LLC Filing") (Evidence: Company-reported; scope: Exact spaced legal names from terms; historical 2023 corporate filing independently supports LLC identity and declared business category, not current insurance authorization. No group subsidiary relationship asserted from current terms.; verified: 2026-09-15.) |
| Customer focus | MMA describes Marsh Agency as a separate business unit serving as an advocate and broker for the middle market. [13](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") (Evidence: Company-reported; scope: Company-stated role and customer focus for the future Marsh Agency operating brand; not a revenue, size, or eligibility threshold.; verified: 2026-09-28.)<br><br>MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. These are examples of stated sector focus, not a complete appetite or eligibility list. [8](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries") (Evidence: Company-reported; scope: Examples from MMA’s national US industry directory; the directory is evidence of stated sector focus, not a complete appetite or eligibility list.; verified: 2026-09-28.) | Its main industry pages address technology, consumer brands, construction, real estate and restaurants. The company positions its team as an alternative to building an in-house risk-management function. [19](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [20](https://www.withcoverage.com/company "About WithCoverage") (Evidence: Company-reported; scope: Published focus, not minimum revenue, premium or eligibility criteria.; verified: 2026-09-15.) |
| Application process | MMA’s US small-business page lists general liability, commercial property, workers’ compensation, professional liability, commercial auto, and cyber liability, and invites buyers to call 833-256-4266 for a personalized quote. The page also contains a small-business specialist form, but its function and any online application, purchase, or binding route are not established by the page reviewed. [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") (Evidence: Company-reported; scope: US small-business landing page only. The phone invitation does not establish quote speed, eligibility, online purchase or binding; the embedded specialist form's function was not established.; verified: 2026-09-29.) | WithCoverage offers an initial policy audit without requiring you to leave your broker. It says the review compares existing coverage, limits and premiums with market benchmarks. Its technology FAQ puts the assessment at usually one business day after receiving policy documents, with longer timing for multiple entities or locations. [22](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") (Evidence: Company-reported; scope: Company-reported no-cost/no-agreement initial steps and assessment timing, not a quote, binding or service-level guarantee.; verified: 2026-09-15.)<br><br>The public review form starts with contact details and then asks about the company, industry and annual insurance spending. It requests a conversation about your program; it does not display an insurance price. [22](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") (Evidence: Company-reported; scope: Empty technology-page form and rendered company-step fields inspected in Chrome. No information entered, step advanced or form submitted; no authenticated application tested.; verified: 2026-09-15.)<br><br>The portfolio page describes appointing WithCoverage on existing policies by signing a broker-of-record letter. This changes your broker, not the policy itself. The page says the transfer has no additional charge. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Live portfolio page, footer notes [1] and [3]. Narrow switching-cost statement; not zero ongoing fees, a completed insurer acceptance, or cancellation/replacement of existing insurance.; verified: 2026-09-15.)<br><br>For its portfolio offering, WithCoverage describes a digital application transferred into insurers’ applications and an advisor-prepared comparison of options. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Portfolio-specific description; not guaranteed for every business or product and not an observed authenticated workflow.; verified: 2026-09-15.)<br><br>At the time of research, the page linked as Privacy Policy displayed the terms-of-service text rather than a separate detailed privacy notice. Before sharing policy or claims files, request the applicable privacy notice and document-retention terms. [33](https://www.withcoverage.com/legal/privacy "Privacy") (Evidence: Not found in reviewed sources; scope: Direct browser comparison of /legal/privacy and /legal/terms on 2026-09-15. Does not establish no privacy controls or unlawful processing.; verified: 2026-09-15.) |
| Servicing and renewals | MMA says the Marsh Agency brand transition will not change clients’ account manager, team, or point of contact, and will not affect existing policies or programs; clients may see the legal-name change during renewals. This describes the rebrand transition, not MMA’s general renewal process. [13](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html "Rebranding to Marsh Agency") (Evidence: Company-reported; scope: Only the announced Marsh Agency rebrand and its stated effect on existing clients; this does not document MMA’s general renewal workflow, renewal service level, or policy terms.; verified: 2026-09-28.)<br><br>MMA’s Tampa office page lists InsurLink for policy and endorsement access, CSR24 for certificates, carrier contact information for commercial and personal-lines claims, and a local-consultant contact route. [17](https://www.marshmma.com/us/locations/florida/tampa.html "Tampa, Florida") (Evidence: Company-reported; scope: Services and client tools listed on the Tampa, Florida office page only. The claims listing provides carrier contact information and does not establish that MMA adjusts claims.; verified: 2026-09-28.) | WithCoverage describes a named risk manager backed by attorneys and claims specialists, handling renewals, certificates of insurance and account questions. Its platform brings policies, claims, certificates, exposures and renewal communications together. [25](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [19](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") (Evidence: Company-reported; scope: Company service descriptions, not observed client results or a response-time contract. COI means certificate of insurance.; verified: 2026-09-15.)<br><br>The portfolio page says WithCoverage is not a law firm and does not provide legal services. Confirm what its attorneys’ involvement includes. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Express portfolio footer qualification preserved beside favorable attorney-team description; no attorney-client relationship asserted.; verified: 2026-09-15.)<br><br>The portfolio page promises no fee to end its broker-of-record appointment and data return on request. Confirm the service agreement and separate policy cancellation charges. [28](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") [21](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Footer note [5] compared with current terms section 9. Ending broker appointment is not cancellation of an insurance policy; no claim that all fees are waived.; verified: 2026-09-15.)<br><br>Its advisor recruitment materials describe contract changes and larger deductibles as possible strategies. Ask which risks the proposal leaves with your business. [29](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Company recruitment description of advisory strategies; larger retained risk is not necessarily an improvement for the buyer. No guaranteed suitability, price reduction or policy terms.; verified: 2026-09-15.) |
| Claims assistance | On its business-interruption page, MMA says it will advocate with insurers for clients if complex claim issues arise. This is a company-reported service statement; it does not establish claim outcomes or an adjusting/payment role. [3](https://www.marshmma.com/us/solutions/business-interruption-insurance.html "Business Interruption Insurance") (Evidence: Company-reported; scope: Company-described support for complex claims in the business-income and contingent-business-interruption page context; not a promise of claim outcomes or evidence that MMA adjusts or pays claims.; verified: 2026-09-28.) | WithCoverage says its claims team, including attorneys, manages the claims process and recommends changes to reduce future exposure. That assistance is separate from the issuing insurer’s policy obligations and does not establish claims-payment speed or outcomes. [26](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [21](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Solution page Manage Claims & Safety Procedures and terms section 8. No independently evaluated claims, no inference that advisory attorneys provide legal representation.; verified: 2026-09-15.) |

## Related Reading

- [What Is Marsh McLennan Agency?](https://spot.insure/insurance-providers/marsh-mclennan-agency)
- [What Is WithCoverage?](https://spot.insure/insurance-providers/withcoverage)

## Related Comparisons

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- [Armilla vs Marsh McLennan Agency](https://spot.insure/compare/armilla-vs-marsh-mclennan-agency)
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- [biBerk vs WithCoverage](https://spot.insure/compare/biberk-vs-withcoverage)
- [CFC vs Marsh McLennan Agency](https://spot.insure/compare/cfc-vs-marsh-mclennan-agency)
- [CFC vs WithCoverage](https://spot.insure/compare/cfc-vs-withcoverage)
- [Chubb vs Marsh McLennan Agency](https://spot.insure/compare/chubb-vs-marsh-mclennan-agency)
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- [Coalition vs WithCoverage](https://spot.insure/compare/coalition-vs-withcoverage)
- [Corgi vs Marsh McLennan Agency](https://spot.insure/compare/corgi-vs-marsh-mclennan-agency)
- [Corgi vs WithCoverage](https://spot.insure/compare/corgi-vs-withcoverage)
- [Coterie Insurance vs Marsh McLennan Agency](https://spot.insure/compare/coterie-vs-marsh-mclennan-agency)
- [Coterie Insurance vs WithCoverage](https://spot.insure/compare/coterie-vs-withcoverage)
- [Counterpart vs Marsh McLennan Agency](https://spot.insure/compare/counterpart-vs-marsh-mclennan-agency)
- [Counterpart vs WithCoverage](https://spot.insure/compare/counterpart-vs-withcoverage)
- [Coverdash vs Marsh McLennan Agency](https://spot.insure/compare/coverdash-vs-marsh-mclennan-agency)
- [Coverdash vs WithCoverage](https://spot.insure/compare/coverdash-vs-withcoverage)
- [Cowbell vs Marsh McLennan Agency](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency)
- [Cowbell vs WithCoverage](https://spot.insure/compare/cowbell-vs-withcoverage)
- [Embroker vs Marsh McLennan Agency](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency)
- [Embroker vs WithCoverage](https://spot.insure/compare/embroker-vs-withcoverage)

## Sources

### [Marsh McLennan Agency Official Website](https://www.marshmma.com/us/mma/about-us.html)

1. [Producer / Adjuster Search: MARSH & MCLENNAN AGENCY LLC](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Producer Agency Detail, lines 7-49: entity, producer-agency classification, license number, authorities and validity through 2028-03-31; lines 53-57: historical 2010 lapse/resume entries; lines 69-72: entity-record actions display. Accessed 2026-09-28.
2. [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.
3. [Business Interruption Insurance](https://www.marshmma.com/us/solutions/business-interruption-insurance.html). Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
4. [Casualty](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Lines 203-205 and 211-224: casualty advisory, claims advocacy, risk analytics and workers’ compensation. No adjusting or paying role established. Accessed 2026-09-29.
5. [Cyber](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Lines 205-207: network security, privacy, technology and emerging cyber risks; lines 226-228: prepare, mitigate, respond, recover, claims advocacy and carrier liaison. Company-reported support, not outcomes or insurer identity. Accessed 2026-09-29.
6. [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
7. [Executive and Professional Liability](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Lines 204-210 name D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, architects and engineers, lawyers professional, kidnap and ransom; lines 211-213 explain D&O; following section explains EPL. Lists do not establish policy terms. Accessed 2026-09-29.
8. [Insurance Services for All Industries](https://www.marshmma.com/us/industries/view-all-industries.html). Marsh McLennan Agency; National US industry directory, lines 209-252; examples include construction (219), financial institutions (224), healthcare (229), manufacturing (236), real estate (243), and transportation and trucking (252). Accessed 2026-09-28.
9. [International](https://www.marshmma.com/us/solutions/international.html). Marsh McLennan Agency; Lines 204-206 and 228-231: international placement; business travel accident, control master, foreign package, K&R, political risk/trade credit, surety, marine cargo. Not a domestic availability guarantee. Accessed 2026-09-29.
10. [Marsh legal entities](https://www.marsh.com/en/about/legal-entity-us-ca.html). Marsh; Marsh Agency formerly known as MMA, US entities and proposed-name status, lines 528-587: current Marsh & McLennan Agency LLC, proposed Marsh Agency LLC, listed state statuses TBD. Accessed 2026-09-28.
11. [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency). Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
12. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Lines 205-210 describe commercial property and physical assets; property page coverage section also lists builders’ risk. Company marketing only; no policy wording, limits, exclusions, insurer, or eligibility. Accessed 2026-09-29.
13. [Rebranding to Marsh Agency](https://www.marshmma.com/us/mma/rebranding-to-marsh-agency.html). Marsh McLennan Agency; Accepted repaired inspection lines 215-224: account/team/contact and existing policy continuity through transition, legal name may appear at renewal. Transition statement only; not general renewal workflow. Accessed 2026-09-29.
14. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
15. [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.
16. [Surety](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Lines 205-207 and 224-233: surety, contract/commercial surety, and license/permit bonds. No surety carrier, collateral, price, or issuance time established. Accessed 2026-09-29.
17. [Tampa, Florida](https://www.marshmma.com/us/locations/florida/tampa.html). Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
18. [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic). Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.

### [WithCoverage Official Website](https://www.withcoverage.com)

19. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
20. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
21. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Last revised June 28, 2024; §1 entities; §§7–8 availability and insurer obligations; §9 fees and charges. Accessed 2026-09-15.
22. [Technology Insurance & Risk Management](https://www.withcoverage.com/industries/tech). WithCoverage; Hero: E&O, cyber and D&O program exposure; policy-review request form; Have Questions?: program audit, broker change and assessment timing. Accessed 2026-09-16.
23. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). WithCoverage; Hero: product liability, recall and cargo program exposure; Have Questions?: program audit (General Liability, Product Liability, Workers’ Comp, Property, umbrella), broker change, account management and flat-fee or commission compensation. Accessed 2026-09-16.
24. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Opening coverage description, including builder’s risk; Have Questions?: What does a program audit involve? (General Liability, Workers’ Comp, Property, umbrella), broker change and account management; property-program client example. Accessed 2026-09-16.
25. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). WithCoverage; Opening coverage description: general liability, liquor liability and workers’ comp; Have Questions?: program audit, broker transition and account management; Talk to our team. Accessed 2026-09-16.
26. [Risk Management & Commercial Insurance Solution](https://www.withcoverage.com/solution). WithCoverage; Measurable Impact savings figure and spending-threshold footnote; Develop Risk Management Plan; Manage Claims & Safety Procedures. Accessed 2026-09-15.
27. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
28. [Private Equity Portfolio Risk Management](https://www.withcoverage.com/offering-v2). WithCoverage; How We Earn Your Trust; One Master Application; Competitive Quoting Process; Policy Proposal and Comparison; footer notes [1]–[3] and [5]; no-legal-services disclosure. Accessed 2026-09-15.
29. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). WithCoverage; The work: contract changes and retained-risk strategies; Carrier network: direct appointments, wholesale relationships and displayed market names. Accessed 2026-09-15.
30. [With Coverage Insurance Services LLC — Agent Listing](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267). Liberty Mutual; Named New York agency listing; About us description of insurer access. Accessed 2026-09-15.
31. [Insurance Licenses By State](https://www.withcoverage.com/licenses). WithCoverage; Licenses by state table, including Massachusetts 3002802342 and Maine AGN462479. Accessed 2026-09-15.
32. [With Coverage Insurance Services LLC — Foreign LLC Filing](https://corp.sos.ms.gov/corpconv/portal/c/ExecuteWorkflow.aspx?FilingId=931dea05-c719-4332-b9ed-52e515759e31&workflowid=g12dbd558-fa5d-49a1-a869-ad8b9db198db). Mississippi Secretary of State; Page 1, Business Information: entity name, Delaware organization date August 3, 2023, NAICS 524210; business ID 1410807, filed September 12, 2023. Accessed 2026-09-15.
33. [Privacy](https://www.withcoverage.com/legal/privacy). WithCoverage; Page titled Privacy; June 28, 2024 terms revision date; §§1–12 terms text, including §§2 and 4 on privacy and data collection. Accessed 2026-09-15.
34. [Deep Dive: WithCoverage](https://www.thesisdriven.com/letters/deep-dive-withcoverage/). Thesis Driven; Brad Hargreaves, 28 May 2026: JD Ross says half of clients are on a traditional commission structure and half are not. Accessed 2026-09-29.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

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