--- title: "Marsh vs StartupInsurance.ai: Builders Risk Insurance" description: "Marsh McLennan Agency places builders risk through its property practice, including foundations and temporary structures; StartupInsurance.ai lists it for hardware founders without publishing project terms." canonical: "https://spot.insure/compare/marsh-vs-startupinsurance/builders-risk" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "marsh-vs-startupinsurance" provider-a: "marsh" provider-b: "startupinsurance" 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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-startupinsurance/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Marsh and StartupInsurance.ai 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 StartupInsurance.ai. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh vs StartupInsurance.ai for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Marsh or StartupInsurance.ai? - What does Marsh or StartupInsurance.ai publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Builders Risk Insurance. Providers: Marsh and StartupInsurance.ai. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - 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; last updated 2026-09-25. **Related pages:** - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) — all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — how this coverage works - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile # Marsh vs StartupInsurance.ai: How Do They Compare for Builders Risk Insurance? Through a specialist call rather than an instant quote, StartupInsurance.ai (an agency) handles builders risk for hardware startups; Marsh places it through Marsh McLennan Agency's property practice with modeling and claims advocacy. MMA describes construction-property features; StartupInsurance.ai lists builders risk for hardware founders but gives no public project terms. ## Marsh vs StartupInsurance.ai Builders Risk Insurance Summary Marsh McLennan Agency places builders risk through its property practice, including foundations and temporary structures; StartupInsurance.ai lists it for hardware founders without publishing project terms. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What Are the Key Differences Between Marsh and StartupInsurance.ai Builders Risk Insurance? ### Middle-Market Property Desk Versus Startup Physical-Risk List StartupInsurance.ai lists builders risk among physical-risk lines for founders building robots, hardware, energy or defense technology, but its reviewed materials do not specify project types or perils. MMA describes specific construction property exposures, including foundations and temporary structures. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Construction-Property Scope Versus Unspecified Terms MMA says coverage addresses a building under construction, including additions and alterations, foundations, temporary structures, insured-owned materials, and limited cover for materials belonging to others. StartupInsurance.ai’s reviewed pages name the line but do not describe project types, perils or policy period. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Named Practice Leader Versus Quote-Screen Gap MMA says you work with a property specialist and names a National Accounts Property Practice Leader. StartupInsurance.ai’s physical-risk path is to ask about insurance requirements, and Builders Risk is not among the seven checkboxes on the public quote-application screen. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ## What Should You Confirm in Marsh and StartupInsurance.ai Builders Risk Insurance Quotes? - Ask which insurer each would use; MMA does not name one, and StartupInsurance.ai’s carrier panel is program-wide, not line-specific. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - If a hardware-focused startup is building a facility, ask MMA how the project fits its property practice and ask StartupInsurance.ai which agency and insurer would place the line. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Confirm whether MMA’s modeling and claims advocacy attach, and whether foundations and others’ materials are covered. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") - Get limits from both quotes. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Marsh vs StartupInsurance.ai Builders Risk Insurance Compared | Criteria | Marsh McLennan Agency Builders' Risk Insurance | StartupInsurance.ai Builders Risk Insurance | | --- | --- | --- | | 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. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page..) | The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating builders risk is discussed with a specialist rather than quoted through a self-serve form. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..) | | 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. [1](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..) | StartupInsurance.ai lists Builders Risk among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe project types, coverage period, or specific policy terms..) | | 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. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Builders' Risk subsection..) | StartupInsurance.ai does not underwrite builders risk coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [5](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not builders-risk-specific placement terms..) | ## About Marsh and StartupInsurance.ai and Builders Risk Insurance - [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews) - [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews) - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk) ## Related Pages for Marsh vs StartupInsurance.ai Builders Risk Insurance - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance): 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 Builders Risk Insurance](https://spot.insure/insurance-providers/marsh/builders-risk) - [StartupInsurance.ai Builders Risk Insurance](https://spot.insure/insurance-providers/startupinsurance/builders-risk) ## Sources for Marsh vs StartupInsurance.ai Builders Risk Insurance ### Sources About Marsh 1. [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. ### Sources About StartupInsurance.ai 2. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23. 3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23. 4. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. 5. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-vs-startupinsurance/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)