--- title: "Marsh vs Marsh McLennan Agency: Builders Risk Insurance" description: "Marsh describes builders risk brokerage and construction risk services; Marsh McLennan Agency describes a Builders’ Risk Panel for projects under construction or renovation." canonical: "https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "marsh-vs-marsh-mclennan-agency" provider-a: "marsh" provider-b: "marsh-mclennan-agency" coverage-line: "builders-risk" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Marsh and Marsh McLennan Agency for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Marsh versus Marsh McLennan Agency. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh vs Marsh McLennan Agency for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Marsh or Marsh McLennan Agency? - What does Marsh or Marsh McLennan Agency publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Marsh or Marsh McLennan Agency? **Key facts:** - Line: Builders Risk Insurance. Providers: Marsh and Marsh McLennan Agency. - 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 vs Marsh McLennan Agency](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Marsh vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) - [Marsh vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [Marsh vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Marsh vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) # Marsh vs Marsh McLennan Agency: How Do They Compare for Builders Risk Insurance? Marsh describes builders risk brokerage and construction risk services; Marsh McLennan Agency describes a Builders’ Risk Panel for projects under construction or renovation. ## Research Scope and Use Use this comparison to evaluate Marsh and Marsh McLennan Agency for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Marsh describes arranging builders-risk coverage and related property risk services through its brokerage. Marsh McLennan Agency describes a Builders’ Risk Panel with examples of construction hazards, making the proposed markets, services, and policy form central quote questions. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") ## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [Marsh profile](https://spot.insure/insurance-providers/marsh) ## 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](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## What Is 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## Key Differences in Builders Risk Insurance ### 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](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") ### 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](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") ## 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](https://www.marshmma.com/us/solutions/property.html "Property Insurance") - Ask Marsh McLennan Agency for the panel insurer and the policy language behind each cited hazard example. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") - Compare limits, valuation, deductibles, project extensions, and any conditions tied to risk recommendations. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") ## Offering Details | 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Builders' Risk subsection..) | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Issuing Insurer | The reviewed page does not name a specific builders' risk insurer. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | 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. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.marshmma.com/us/industries/construction.html "Construction Insurance | MMA") (Evidence: Company-reported; scope: builders risk marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | ## Full Comparison - [Marsh vs Marsh McLennan Agency](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Marsh vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/commercial-property) - [Marsh vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/crime) - [Marsh vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/employment-practices) - [Marsh vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/fiduciary) - [AIG vs Marsh Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh/builders-risk) - [AIG vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/builders-risk) - [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk) - [Alliance Risk vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/builders-risk) - [The Baldwin Group vs Marsh Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh/builders-risk) - [The Baldwin Group vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/builders-risk) ## Sources ### Marsh 1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). 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. 2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). 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. 3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16. 5. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). 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 6. [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. 7. [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. 8. [Construction Insurance | MMA](https://www.marshmma.com/us/industries/construction.html). Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services.. Accessed 2026-09-30. ### Builders Risk Insurance Guide 9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 11. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 12. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Marsh Reviews Review Score: 5.8 / 10 from 2 rated sources, equally weighted. 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. - Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com) - Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/marsh/reviews). ## 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). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-vs-marsh-mclennan-agency/builders-risk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)