--- title: "Marsh McLennan Agency vs WithCoverage: Builders Risk Insurance" description: "Marsh McLennan Agency describes a Builders’ Risk Panel and named hazards; WithCoverage frames builders risk within a construction-program audit and tailored risk review." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "marsh-mclennan-agency-vs-withcoverage" provider-a: "marsh-mclennan-agency" provider-b: "withcoverage" coverage-line: "builders-risk" --- 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/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and WithCoverage for Builders Risk 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 Builders Risk Insurance questions about Marsh McLennan Agency versus WithCoverage. 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 WithCoverage for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Marsh McLennan Agency or WithCoverage? - What does Marsh McLennan Agency or WithCoverage publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Marsh McLennan Agency or WithCoverage? **Key facts:** - Line: Builders Risk Insurance. Providers: Marsh McLennan Agency and WithCoverage. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Marsh McLennan Agency vs WithCoverage](https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence) - [Marsh McLennan Agency vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs WithCoverage: How Do They Compare for Builders Risk Insurance? Marsh McLennan Agency describes a Builders’ Risk Panel and named hazards; WithCoverage frames builders risk within a construction-program audit and tailored risk review. ## Research Scope and Use Use this comparison to evaluate Marsh McLennan Agency and WithCoverage for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Marsh McLennan Agency describes panel placement for construction or renovation and examples such as fire and theft. WithCoverage describes reviewing builders risk as part of a broader construction insurance audit and working with clients on project risks its sources say standard forms may miss. [3](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") [8](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") ## 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 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](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [5](https://www.withcoverage.com/company "About WithCoverage") [6](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) ## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [13](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## 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](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") ### 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](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") [8](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") ## 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](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") - Ask WithCoverage to name each project risk it believes the current form misses and identify the proposed endorsement or market response. [8](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") - Confirm whether WithCoverage’s audit recommendation includes a new placement, a policy change, or only a review. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") ## Offering Details | 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. [3](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Not found in reviewed sources; scope: 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. [3](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [3](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: 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. [3](https://www.marshmma.com/us/industries/construction.html "Construction 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. | 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. [8](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [3](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: 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. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") (Evidence: Company-reported; scope: Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does..) | ## Full Comparison - [Marsh McLennan Agency vs WithCoverage](https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Marsh McLennan Agency vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage/commercial-property) - [AIG vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/builders-risk) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) - [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) - [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk) - [The Baldwin Group vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-withcoverage/builders-risk) ## Sources ### Marsh McLennan Agency 1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 3. [Construction Insurance | MMA](https://www.marshmma.com/us/industries/construction.html). Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services.. Accessed 2026-09-30. ### WithCoverage 4. [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. 5. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15. 6. [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. 7. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). 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. 8. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). 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. 9. [Terms & Conditions](https://www.withcoverage.com/legal/terms). 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 10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 12. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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. 13. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Marsh McLennan Agency Reviews Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## 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). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-withcoverage/builders-risk.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)