---
title: "Marsh McLennan Agency vs WTW"
description: "Compare Marsh McLennan Agency and WTW on their documented insurance roles and the questions to resolve in a proposal."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-wtw"
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-wtw)

# Marsh McLennan Agency vs WTW

Compare Marsh McLennan Agency and WTW on their documented insurance roles and the questions to resolve in a proposal.

## 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 is documented as an insurance agency route; WTW's North American Corporate Risk & Broking terms describe a broker or intermediary relationship. Compare who advises on your placement, approaches insurers, and issues each policy. [10](https://www.marsh.com/en/about/legal-entity-us-ca.html "Marsh legal entities") [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [8](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries") [23](https://investors.wtwco.com/static-files/ea54f7ae-6b23-4006-98e1-5b2cd32b3f37 "WTW Investor Day transcript, December 3, 2024") [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [17](https://www.marshmma.com/us/locations/florida/tampa.html "Tampa, Florida")

## 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).

### WTW

Role: Broker.

Broker Spot Score: **7.0/10** (partial score; 70% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The FCA register could not be loaded, so Willis Limited's FCA number and permissions are company-reported.; No NAIC or NIPR search was completed for WTW's U.S. entities beyond the Texas order; that license's current status was not re-checked.; The FSMA entry says "Willis Towers Watson" without SA/NV, so the link to the UK-branch parent is inferred from WTW's 10-K.; WTW publishes no named insurer roster, so network evidence is limited to scale and disclosures.; Third-party trackers list further U.S. state penalties, but no regulator source for them was opened, so they are not relied on.).

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

## WTW Reviews

Review Score: 8.1 / 10 from 1 rated source, equally weighted.

WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.

- BBB: Complaints 4. BBB's Willis Towers Watson Chicago business profile; four complaints displayed for the preceding three years as of 2026-09-29. All four are marked unpursuable; displayed matters concern pension or employee-benefit administration, not commercial insurance brokerage placements. Period: Last three years; 0 closed in the last 12 months; BBB page reviewed 2026-09-29. Checked 2026-09-29. [Willis Towers Watson: Complaints](https://www.bbb.org/us/il/chicago/profile/insurance-companies/willis-towers-watson-0654-8000152/complaints)
- J.D. Power: 2017 Overall Broker Customer Satisfaction Index 807 (out of 1000). US/Canada large-commercial broker customer-satisfaction studies, 2016 and 2017 editions. They do not describe present service or WTW small-business clients. The 2017 release reports 2,506 evaluations across the study, not a WTW-specific sample. Period: 2017 study; 2 Power Circles; 2,506 study-wide evaluations, WTW-specific count not stated. Checked 2026-09-29. [2016 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2016244_large_comm_insurance_.pdf); [2017 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2017222_large_commercial_insurance.pdf); [2016 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2016-large-commercial-insurance-study); [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, J.D. Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Global wtwco.com company page; nine reviews and a 2.1/5 TrustScore on 2026-09-29. Visible reviews predominantly concern pensions, employee benefits, investments or international consumer interactions; not a US commercial-insurance buyer sample. Period: Displayed 2026-09-29. Checked 2026-09-29. [wtwco.com Reviews](https://www.trustpilot.com/review/www.wtwco.com)

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





## Coverage Comparison

| Coverage Type | Marsh McLennan Agency | WTW |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed [12](https://www.marshmma.com/us/solutions/property.html "Property Insurance") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed [9](https://www.marshmma.com/us/solutions/international.html "International") | Listed: WTW identifies Global Cargo within its global marine practice and includes cargo risk in its named data-center policy. These descriptions do not establish a particular US placement, insurer, policy wording, or availability. [27](https://www.wtwco.com/en-us/solutions/marine "Marine") [28](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") |
| [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: WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation. [28](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") [29](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") |
| [Crime](https://spot.insure/coverage/crime) | Listed [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability") | Listed: WTW’s 2024 annual report describes crime insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown. [30](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Listed: WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility. [28](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") [30](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") |
| [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") | Not listed |
| [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") | Listed: WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown. [30](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") |
| [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") | Not listed |
| [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 |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: WTW’s 2024 annual report describes management-liability solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown. [30](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") |
| [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 |
| [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: WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established. [29](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed [16](https://www.marshmma.com/us/solutions/surety.html "Surety") | Listed: WTW’s 2024 annual report describes a global bond-placement team. This is a dated global group capability, not evidence of current U.S. placement terms or eligibility. [30](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") | Not listed |

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.

## How Marsh McLennan Agency and WTW Differ

Marsh McLennan Agency is documented as an insurance agency route, while WTW's North American Corporate Risk & Broking terms describe a broker or intermediary relationship. This pair is useful for comparing who will advise on your placement, who will approach insurers, and which legal company will issue each policy.

### Business Roles and Access

Marsh McLennan Agency's published description: 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. [10](https://www.marsh.com/en/about/legal-entity-us-ca.html "Marsh legal entities")

WTW's published description: For Corporate Risk & Broking engagements governed by its North American terms, WTW says it normally acts as the client’s insurance intermediary. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")

Use each proposal to identify the licensed producer, any program intermediary, and the legal insurer for each policy. Brand names and group disclosures do not identify those roles for a specific placement.

### Customer and Industry Fit

Marsh McLennan Agency's published description: MMA’s US industry directory includes pages for construction, financial institutions, healthcare, manufacturing, real estate, and transportation and trucking. [8](https://www.marshmma.com/us/industries/view-all-industries.html "Insurance Services for All Industries")

WTW's published description: At WTW’s December 2024 Investor Day, management described Risk & Broking as roughly half large business and half middle market and below; the answer did not give a US-specific share. [23](https://investors.wtwco.com/static-files/ea54f7ae-6b23-4006-98e1-5b2cd32b3f37 "WTW Investor Day transcript, December 3, 2024")

The companies describe different customer or industry scopes. Treat those descriptions as starting points for a conversation, then ask each to confirm appetite for your actual operations, revenue, locations, and contracts.

### Application and Binding

Marsh McLennan Agency's published description: 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. [15](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

WTW's published description: Under WTW’s North American Corporate Risk & Broking terms, an insurer quote is an offer, not confirmation of coverage, and may change or be withdrawn before the client orders binding. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")

The documented entry route affects what you prepare and when you receive a usable proposal. An application, online indication, or insurer quote is not itself confirmation that coverage is bound.

### Service and Renewals

Marsh McLennan Agency's published description: 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")

WTW's published description: WTW’s North American terms say it reviews binders, policies and endorsements against negotiated specifications and client instructions and advises on errors or recommended changes. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")

Service descriptions identify possible support routes, not a guaranteed response time or claims result. Ask who will handle certificates, endorsements, renewals, and claim communications for the policy you are considering.

## Questions to Resolve Before Comparing Quotes

Ask each provider to identify the producer of record, the legal insurer for every proposed policy, and the state-specific availability of each requested line. Request the insurer's forms and endorsements, then compare limits, retentions, exclusions, conditions, and any required companion policies.

Ask what information remains outstanding before binding, who will confirm the effective date in writing, and which team handles changes, certificates, renewals, and claim communications. Request premium, taxes, fees, and producer compensation separately where applicable. Neither public product descriptions nor a quote alone establishes identical protection, final eligibility, or a bound policy.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Marsh McLennan Agency | WTW |
| --- | --- | --- |
| 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.) | For Corporate Risk & Broking engagements governed by its North American terms, WTW says it normally acts as the client’s insurance intermediary. The terms separately disclose that WTW or affiliates may provide insurer-side services, including in some MGA or program-manager arrangements. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [20](https://www.wtwco.com/-/media/WTW/Notices/BTCD-CRB-NA-January-2024 "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Corporate Risk & Broking engagements governed by WTW’s North American terms. This describes the ordinary role under those terms and the disclosed possibility of separate insurer-side services; it does not establish an insurer-side role in a particular engagement or make every WTW business exclusively buyer-side.; verified: 2026-09-28.)<br><br>WTW’s US product disclosures name Willis Towers Watson Northeast, Inc. as one of the licensed entities through which the group offers insurance products. WTW plc’s 2025 subsidiary exhibit lists that company among its subsidiaries as of December 31, 2025, but does not identify its direct or intermediate owner. [21](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance "Trade Credit Insurance") [25](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm "Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries") (Evidence: Company-reported; scope: WTW group-level US product-distribution disclosure and WTW plc Exhibit 21.1 dated 2025-12-31. “Licensed entity” is the company’s description; neither source verifies current authority by state or line, identifies the producer for a particular placement, or establishes the direct/intermediate ownership chain.; verified: 2026-09-28.) |
| 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.) | At WTW’s December 2024 Investor Day, management described Risk & Broking as roughly half large business and half middle market and below; the answer did not give a US-specific share. [23](https://investors.wtwco.com/static-files/ea54f7ae-6b23-4006-98e1-5b2cd32b3f37 "WTW Investor Day transcript, December 3, 2024") (Evidence: Company-reported; scope: Management commentary in the December 3, 2024 Investor Day Risk & Broking Q&A. The answer says “our business”; it does not expressly characterize the split as worldwide, provide a US-specific share or customer count, or guarantee account-tier eligibility.; verified: 2026-09-28.)<br><br>WTW’s US manufacturing practice says it combines manufacturing expertise and data analytics in insurance-program design, and that its broking specialists have access to the global insurance market to identify insurer partners suited to a client’s risk. [22](https://www.wtwco.com/en-us/industries/manufacturing "Manufacturing") (Evidence: Company-reported; scope: WTW’s US manufacturing industry page, “How we serve our clients.” This is a company-described practice approach, not independent evidence of actual placement breadth, a guaranteed insurer fit, or a placement outcome.; verified: 2026-09-28.) |
| 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.) | Under WTW’s North American Corporate Risk & Broking terms, an insurer quote is an offer, not confirmation of coverage, and may change or be withdrawn before the client orders binding. If the client chooses to bind, WTW says it will secure a formal insurer commitment, typically a binder. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [20](https://www.wtwco.com/-/media/WTW/Notices/BTCD-CRB-NA-January-2024 "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Commercial placements governed by WTW’s North American Corporate Risk & Broking terms, June 1, 2025, p. 4. An insurer commitment/binder follows the client’s order to bind; this does not establish a self-service online journey or promise that a quote will remain available.; verified: 2026-09-28.) |
| 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.) | WTW’s North American terms say it reviews binders, policies and endorsements against negotiated specifications and client instructions and advises on errors or recommended changes. The terms also expect the client to review those documents. [19](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [20](https://www.wtwco.com/-/media/WTW/Notices/BTCD-CRB-NA-January-2024 "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Clients governed by WTW’s North American Corporate Risk & Broking terms, June 1, 2025, p. 5. This describes a stated document-review process and the client’s separate essential review duty; it is not a guarantee all errors will be detected or corrected.; verified: 2026-09-28.) |

## Related Reading

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

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- [Coterie Insurance vs Marsh McLennan Agency](https://spot.insure/compare/coterie-vs-marsh-mclennan-agency)
- [Coterie Insurance vs WTW](https://spot.insure/compare/coterie-vs-wtw)
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- [Counterpart vs WTW](https://spot.insure/compare/counterpart-vs-wtw)
- [Coverdash vs Marsh McLennan Agency](https://spot.insure/compare/coverdash-vs-marsh-mclennan-agency)
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- [Cowbell vs Marsh McLennan Agency](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency)
- [Cowbell vs WTW](https://spot.insure/compare/cowbell-vs-wtw)
- [Embroker vs Marsh McLennan Agency](https://spot.insure/compare/embroker-vs-marsh-mclennan-agency)
- [Embroker vs WTW](https://spot.insure/compare/embroker-vs-wtw)

## 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.

### [WTW Official Website](https://www.wtwco.com/en-us)

19. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf). WTW; Document dated 2025-06-01; pp. 4–6: quote/binding, document review, claims reporting, intermediary and affiliate disclosures. Accessed 2026-09-28.
20. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/Notices/BTCD-CRB-NA-January-2024). WTW; Document dated 2024-01-01; pp. 4–5 and 7: quote/binding, document review, claims reporting and Brokerage Disclosures. Accessed 2026-09-28.
21. [Trade Credit Insurance](https://www.wtwco.com/en-us/solutions/services/trade-credit-insurance). WTW; North America licensed-entity disclaimer naming Willis Towers Watson Northeast, Inc. as one US entity. Accessed 2026-09-28.
22. [Manufacturing](https://www.wtwco.com/en-us/industries/manufacturing). WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
23. [WTW Investor Day transcript, December 3, 2024](https://investors.wtwco.com/static-files/ea54f7ae-6b23-4006-98e1-5b2cd32b3f37). WTW Investor Relations / Refinitiv StreetEvents; PDF p. 27 / HTML lines 995–999, Risk & Broking Q&A. Accessed 2026-09-28.
24. [Willis Towers Watson Public Limited Company Form 10-K for year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-20251231.htm). U.S. Securities and Exchange Commission; Cover; Certain Definitions; Item 1 business and corporate structure; statement on underwriting. Accessed 2026-09-28.
25. [Exhibit 21.1 to Willis Towers Watson Public Limited Company 2025 Form 10-K: Subsidiaries](https://www.sec.gov/Archives/edgar/data/1140536/000119312526069307/wtw-ex21_1.htm). U.S. Securities and Exchange Commission; Exhibit header lines 2–6; US subsidiary table lines 319–320. Accessed 2026-09-28.
26. [Business Insurance: Small Business Insurance](https://www.wtwco.com/-/media/wtw/solutions/services/small-business-insurance.pdf). WTW; One-page brochure, pp. 1: listed protections, licensed-broker/carrier statement, Canadian SME service contact and target-industry description. Accessed 2026-09-29.
27. [Marine](https://www.wtwco.com/en-us/solutions/marine). WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
28. [Digital Infrastructure Protector](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector). WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
29. [Residential | WTW](https://www.wtwco.com/en-us/industries/residential). WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old. Accessed 2026-09-29.
30. [WTW 2024 Form 10-K](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm). U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29. 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.

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