Marsh vs Risklytics Commercial Property Insurance

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places commercial property insurance; separately, Marsh's technology industry practice arranges property coverage for digital infrastructure such as data centers. ^5,6Company-reported. MMA property insurance page and Marsh's data center insurance page.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. ⁷Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The reviewed pages do not name a specific commercial property insurer. ^5,6Not publicly disclosed. MMA property insurance page and Marsh data center page as read on 2026-09-23.

Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^10,7Company-reported. Lines page and about page; no specific insurer is published for this line.

Not described in the reviewed sources.

Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ¹⁰Company-reported. Lines page.

MMA says commercial property insurance protects an organization's physical assets, including owned or rented property, equipment and inventory, from unexpected loss events, with named options for flood, hurricane and windstorm, wildfire and earthquake coverage. ⁵Company-reported. MMA property insurance page; illustrative description, not a specific policy form.

For data centers specifically, Marsh says property coverage is typically paired with equipment breakdown, business interruption, cyber and general liability coverage to close gaps that a conventional property policy alone would leave open. ⁶Company-reported. Data center insurance page FAQ.

Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ¹⁰Company-reported. Lines page; the issued policy and declarations control actual coverage.

Not described in the reviewed sources.

Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. ¹⁰Not publicly disclosed. Lines page, checked 2026-09-23.

MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and alternative risk solutions such as captives and parametric insurance options. ⁵Company-reported. MMA property insurance page, Benefits of Property Insurance section.

Risklytics calls commercial property the most standardized, easy-to-get policy it places. ¹⁰Company-reported. Lines page.

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.

You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^11,7Company-reported. Pricing page describes the general application and fee process, not a line-specific form.