Marsh McLennan Agency vs 
WithCoverage: How Do They Compare for Builders Risk 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. 1,2
What Is WithCoverage?
WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. 4,5,6
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
Key Differences in Builders Risk Insurance
Placement Versus Program Review
Marsh McLennan Agency describes a Builders’ Risk Panel that arranges coverage for projects under construction or renovation. WithCoverage describes builders risk as part of a broader construction program audit that can review or transition the coverage on a client’s behalf. Buyers seeking a placement can ask MMA about its panel options; a contractor reviewing an existing multi-line program can ask WithCoverage what policy documents it needs and what changes it recommends. 3 7
Project Exposures and Form Review
Marsh McLennan Agency lists fire, theft, vandalism, and natural disasters as examples of panel risks. WithCoverage says it works directly with construction clients on project risks that it says off-the-shelf forms may miss, but does not name a standard builders-risk form or a fixed set of added coverages. Ask the reviewer to identify the specific exposure and wording change, then compare that proposal with the insurer’s form and endorsements from MMA’s placement. 3 8
What to Confirm in Builders Risk Insurance Quotes
- Ask Marsh McLennan Agency which panel insurer is proposed and how its form handles the project’s listed hazards and exclusions. 3
- Ask WithCoverage to name each project risk it believes the current form misses and identify the proposed endorsement or market response. 8
- Confirm whether WithCoverage’s audit recommendation includes a new placement, a policy change, or only a review. 7
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Marsh McLennan Agency
Review Score
2 rated sources
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.[8][9][1]
Read Marsh McLennan Agency reviewsWithCoverage
Review Score
No reviews found
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.[9][10]
Read WithCoverage reviewsOffering Details
Marsh McLennan Agency vs WithCoverage: Builders Risk Insurance: documented features by provider
| Criteria | Marsh McLennan Agency builders risk (official overview) | WithCoverage Builders Risk Program Review (Construction) |
|---|---|---|
| Role in This Line | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. 3Company-reported. builders risk 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. | WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. 7,9Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. 7,9Not found in reviewed sources. Construction page and terms as read on 2026-09-23. |
| Who It’s For | Construction projects and clients described on the construction page; individual project eligibility is placement-specific. 3Company-reported. builders risk 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. | WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. 7,8Company-reported. Construction industry page and risk-advisors Vin spotlight. |
| Coverage Features | The cited product page describes a Builders' Risk Panel for projects under construction or renovation, with example risks including fire, theft, vandalism, and natural disasters. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. builders risk 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. |
| 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. 3Not publicly disclosed. 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. | WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. 8Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement. |
| 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. 3Company-reported. builders risk 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. | WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 7Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does. |
Full Comparison
More Marsh McLennan Agency vs WithCoverage Comparisons
Other Builders Risk Insurance Comparisons
Sources
Marsh McLennan Agency
- Who We Are. 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.
- Small Business Insurance Solutions. 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.
- Construction Insurance | MMA. Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services. Accessed 2026-09-30.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Lonnie Lischka Company testimonial; Have Questions? program-audit FAQ listing General Liability, Product Liability, Workers' Comp, Property, umbrella. Accessed 2026-09-23.
- Commercial Risk Advisor Careers. WithCoverage; Vin spotlight: "Building tailored insurance programs for General Contractors, Trade Contractors, and Developers covering the project risks that off-the-shelf forms miss"; Carrier network section. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents; policy obligations rest with the issuing insurer. Accessed 2026-09-23.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
