Marsh vs 
Marsh McLennan Agency: How Do They Compare for Builders Risk Insurance?
What Is Marsh?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 1,2,3,4
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. 6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 9,10,11,12
Key Differences in Builders Risk Insurance
Brokerage Services and Panel Placement
Marsh describes builders risk as part of its property brokerage, with client support around construction risks and placement. Marsh McLennan Agency specifically describes a Builders’ Risk Panel for projects under construction or renovation and lists fire, theft, vandalism, and natural disasters as examples. The distinction for a buyer is how each team will source and explain a project’s terms: ask Marsh which markets it will approach and ask MMA which panel insurers may consider the project. 5 8
Risk Services and Loss Examples
Marsh’s offering record discusses property risk services alongside its brokerage, while Marsh McLennan Agency’s overview foregrounds named loss examples rather than detailing comparable risk-consulting work. A project with unusual values, sequencing, or materials should prompt a concrete service request from both brokers: who reviews the construction plan, what recommendations are delivered, and whether any recommendations become policy conditions. 5 8
What to Confirm in Builders Risk Insurance Quotes
- Ask Marsh for the markets approached, the proposed insurer, and any construction risk-control work included in its service. 5
- Ask Marsh McLennan Agency for the panel insurer and the policy language behind each cited hazard example. 8
- Compare limits, valuation, deductibles, project extensions, and any conditions tied to risk recommendations. 5 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Marsh
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh reviewsMarsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsOffering Details
Marsh vs Marsh McLennan Agency: Builders Risk Insurance: documented features by provider
| Criteria | Marsh McLennan Agency Builders' Risk Insurance | Marsh McLennan Agency builders risk (official overview) |
|---|---|---|
| Role in This Line | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. 5Company-reported. MMA property insurance page, Builders' Risk subsection. | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. 8Company-reported. builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The reviewed page does not name a specific builders' risk insurer. 5Not publicly disclosed. MMA property insurance page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Construction projects and clients described on the construction page; individual project eligibility is placement-specific. 8Company-reported. builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. 5Company-reported. MMA property insurance page; illustrative description, not a specific policy form. | The cited product page describes a Builders' Risk Panel for projects under construction or renovation, with example risks including fire, theft, vandalism, and natural disasters. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. 5Company-reported. MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk. | Confirm in your quote. |
| How to Apply | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. 5Company-reported. MMA property insurance page. | 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. 8Company-reported. builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Marsh vs Marsh McLennan Agency Comparisons
Other Builders Risk Insurance Comparisons
Sources
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Property Insurance. Marsh McLennan Agency; Builders' Risk subsection under Property Insurance: risks unique to a building during construction, including additions and alterations, foundations, temporary structures, materials and supplies; Program design expertise; Benefits of Property Insurance. Accessed 2026-09-23.
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Construction Insurance | MMA. Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services. Accessed 2026-09-30.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
