---
title: "Marsh McLennan Agency vs Zurich U.S.: Fiduciary Liability Insurance"
description: "Marsh McLennan Agency lists fiduciary as an executive-liability line but does not state plan-specific grants or whether investigations are covered in its overview; Zurich U.S. describes Fiduciary Liability Select as addressing claims and investigations involving administration of savings, pension, and health or welfare plans."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-zurich"
provider-a: "marsh-mclennan-agency"
provider-b: "zurich"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/fiduciary)

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Marsh McLennan Agency and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Marsh McLennan Agency vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Zurich U.S. Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs Zurich U.S.: How Do They Compare for Fiduciary Liability Insurance?

Marsh McLennan Agency lists fiduciary as an executive-liability line but does not state plan-specific grants or whether investigations are covered in its overview; Zurich U.S. describes Fiduciary Liability Select as addressing claims and investigations involving administration of savings, pension, and health or welfare plans.

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency and Zurich U.S. for Fiduciary Liability 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 lists fiduciary as an executive-liability line but does not state plan-specific grants or whether investigations are covered in its overview; Zurich U.S. describes Fiduciary Liability Select as addressing claims and investigations involving administration of savings, pension, and health or welfare plans. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

## 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)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [4](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [8](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Coverage Scope and Plan Details

Zurich U.S. describes Fiduciary Liability Select as addressing claims and investigations involving administration of savings, pension, and health or welfare plans. It offers standalone and packaged policies for public and private companies. Marsh McLennan Agency lists fiduciary as an executive-liability line but does not state plan-specific grants or whether investigations are covered in its overview. If a regulator inquiry is a concern, ask each adviser to identify whether investigation costs qualify as a claim and what sublimit applies. [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [6](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Placement and Buyer Questions

Zurich U.S. also describes advancement of defense costs and no restriction to panel-counsel lists; qualified multinational customers may arrange locally admitted policies tied to a U.S. master. Marsh McLennan Agency’s page does not describe these features. A multinational sponsor should ask which jurisdictions and local policies are included in the specific offer. [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [6](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Zurich U.S. which investigations trigger coverage, how defense-cost advancement works, and whether the company qualifies for a local-policy program. [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")
- Ask Marsh McLennan Agency whether its proposed form covers investigations and how defense costs and counsel selection are handled. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Offering Details

| Criteria | Marsh McLennan Agency fiduciary (official overview) | Zurich Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging fiduciary for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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. |
| Who It’s For | Organizations seeking executive liability solutions; source does not define plan-specific eligibility. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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. |
| Coverage Features | The cited product page describes fiduciary liability as a named product in the executive and professional liability suite; the overview does not state plan-specific grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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..) | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. [6](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. [7](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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/solutions/executive-and-professional-liability.html "Executive and Professional Liability | 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. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. [6](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary 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. |

## Full Comparison

- [Marsh McLennan Agency vs Zurich U.S.](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Marsh McLennan Agency vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/builders-risk)
- [Marsh McLennan Agency vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/commercial-auto)
- [Marsh McLennan Agency vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/commercial-property)
- [Marsh McLennan Agency vs Zurich U.S. Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/crime)
- [Marsh McLennan Agency vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/employment-practices)
- [AIG vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/fiduciary)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary)
- [Alliance Risk vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary)
- [Aon vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/fiduciary)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)

## 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. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Named within the executive and professional liability product suite.. Accessed 2026-09-30.

### Zurich U.S.

4. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
6. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance). Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
7. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.

### Fiduciary Liability Insurance Guide

8. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
9. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

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

## Agent and Developer Resources

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