--- title: "Marsh McLennan Agency vs Zurich U.S.: Workers’ Compensation Insurance" description: "Zurich U.S.’s cited claim says: “Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review.” Its recorded scope says: “Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation 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.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/workers-compensation" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "marsh-mclennan-agency-vs-zurich" provider-a: "marsh-mclennan-agency" provider-b: "zurich" coverage-line: "workers-compensation" --- 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-zurich/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and Zurich U.S. for Workers’ Compensation 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 Workers’ Compensation 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 Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Marsh McLennan Agency or Zurich U.S.? - What does Marsh McLennan Agency or Zurich U.S. publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Marsh McLennan Agency or Zurich U.S.? **Key facts:** - Line: Workers’ Compensation 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 2026-10-01. 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 - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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. Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Zurich U.S. D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/directors-officers) — 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) - [Marsh McLennan Agency vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Zurich U.S. Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs Zurich U.S.: How Do They Compare for Workers’ Compensation Insurance? Zurich U.S.’s cited claim says: “Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review.” Its recorded scope says: “Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation 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.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold. ## How to Use the Marsh McLennan Agency vs Zurich U.S. Workers’ Compensation Insurance Comparison Use this comparison to evaluate Marsh McLennan Agency and Zurich U.S. for Workers’ Compensation 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. ## Marsh McLennan Agency vs Zurich U.S. Workers’ Compensation Insurance Summary Zurich U.S.’s cited claim says: “Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review.” Its recorded scope says: “Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation 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.” The selected scopes limit each statement to its cited workers’ compensation material; the evidence does not establish a shared comparison dimension, so this route remains on evidence hold. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## 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 Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [7](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [8](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [9](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [10](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between Marsh McLennan Agency and Zurich U.S. Workers’ Compensation Insurance? ### Zurich’s post-injury services do not match the MMA prevention description Zurich U.S.’s selected claim names Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. Its scope says the exact underwriting company may vary by policy and state, and issued policy terms control. Marsh McLennan Agency’s selected claim and overview locator identify the workers’ compensation line with broad safety and prevention support. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ### Evidence boundary for this pair Zurich’s selected service concerns medical management after an injury; MMA’s cited language concerns safety and prevention. They address different stages, and the MMA source does not establish post-injury triage, billing review, claim handling, or employee benefit terms. This pair is held rather than presenting those services as equivalent. The hold is limited to the cited records and does not suggest MMA lacks any particular service. Reopen with matching post-injury service sources for both providers or policy-benefit language at comparable scope, preserving Zurich’s brand and issuing-entity qualification. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") ## What Should You Confirm in Marsh McLennan Agency and Zurich U.S. Workers’ Compensation Insurance Quotes? - Which direct MMA workers’ compensation source describes post-injury medical management or claim support? [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") - Which Zurich policy and state determine access to Workplace Injury Triage and Narcotic Evaluation? [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") ## Marsh McLennan Agency vs Zurich U.S. Workers’ Compensation Compared | Criteria | Marsh McLennan Agency workers compensation (official overview) | Zurich Workers’ Compensation | | --- | --- | --- | | Role in This Line | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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 describes workers’ compensation benefits for employees injured or made ill at work, including eligible medical expenses and wage replacement. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; 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/services/business-insurance.html "Business 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. | Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; 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/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation 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. | | Claims Support | Confirm in your quote. | Zurich links WC customers to a dedicated claim-reporting process and explains that the carrier reviews, investigates and decides benefit eligibility. [6](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | ## Related Pages for Marsh McLennan Agency vs Zurich U.S. - [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 Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [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. Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/cyber) - [Marsh McLennan Agency vs Zurich U.S. D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/directors-officers) - [Marsh McLennan Agency vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/employment-practices) - [Marsh McLennan Agency vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/fiduciary) - [Marsh McLennan Agency vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/general-liability) - [Marsh McLennan Agency vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/professional-errors-omissions) - [Marsh McLennan Agency vs Zurich U.S. Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-zurich/surety-bonds) - [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) - [AIG vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-zurich/workers-compensation) - [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) - [Alliance Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/workers-compensation) - [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) - [Amelia Risk vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/workers-compensation) ## Sources for Marsh McLennan Agency vs Zurich U.S. ### Sources About 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. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30. ### Sources About 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. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28. ### Sources for the Workers’ Compensation Insurance Guide 7. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 8. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 9. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 10. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16. Updated 2026-10-01. 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 Review Scores for 2026 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. Review Scores for 2026 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/workers-compensation.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)