---
title: "Marsh vs StartupInsurance.ai Builders Risk Insurance"
description: "Marsh McLennan Agency places builders' risk through a property practice; StartupInsurance.ai lists the line for hardware-focused startups without detailing its project terms."
canonical: "https://spot.insure/compare/marsh-vs-startupinsurance/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-startupinsurance/builders-risk)

# Marsh vs StartupInsurance.ai Builders Risk Insurance

Marsh McLennan Agency places builders' risk through a property practice; StartupInsurance.ai lists the line for hardware-focused startups without detailing its project terms.

## Research Scope and Use

Use this comparison to evaluate Marsh and StartupInsurance.ai 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 McLennan Agency describes builders' risk within its property practice, including foundations and temporary structures. StartupInsurance.ai lists the line for hardware-adjacent startups, but its reviewed materials do not specify project types, perils or policy periods. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [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 StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Is Builders Risk Insurance?

Builders risk insurance addresses physical property losses during building construction. [11](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms")

## Key Differences in Builders Risk Insurance

### Middle-Market Property Desk Versus Startup Physical-Risk List

Marsh McLennan Agency places builders' risk through its property insurance practice, not as a separately branded product. StartupInsurance.ai lists Builders Risk among seven physical-risk lines offered alongside a core startup program, and the licensed agency behind the brand arranges placement rather than underwriting. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

### 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## What to Confirm in 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Get limits from both quotes. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Marsh McLennan Agency Builders' Risk Insurance | StartupInsurance.ai Builders Risk Insurance |
| --- | --- | --- |
| 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..) | 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. [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [10](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [8](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..) |
| 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..) | The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's builders risk policy. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the insurer for a builders risk placement is not disclosed on the pages reviewed and varies by placement..) |
| Who It’s For | Not described in the reviewed sources. | The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning builders risk as a line it places regularly for hardware-adjacent startups with a construction or build-out project, rather than as a rare add-on. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) |
| 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..) | 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. [8](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..) |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed pages do not publish sample builders risk project-value limits, covered perils, or policy-period terms. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote..) |
| 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..) | Not described in the reviewed sources. |
| 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 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. [8](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..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Builders Risk is not one of them, so it is not part of that self-serve intake flow. [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) |

## Full Comparison

- [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 helps protect a construction project and its materials against covered property damage while work is underway.
- [Marsh vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/commercial-property)
- [Marsh vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/directors-officers)
- [Marsh vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/fiduciary)
- [Marsh vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/marsh-vs-startupinsurance/surety-bonds)
- [Marsh vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/marsh-vs-startupinsurance/technology-errors-omissions)
- [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk)
- [Alliance Risk vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/builders-risk)
- [Chubb vs Marsh Builders Risk Insurance](https://spot.insure/compare/chubb-vs-marsh/builders-risk)
- [Chubb vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/chubb-vs-startupinsurance/builders-risk)
- [Coverdash vs Marsh Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-marsh/builders-risk)
- [Coverdash vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-startupinsurance/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.

### StartupInsurance.ai

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [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.
8. [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.
9. [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.
10. [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.

### Builders Risk Insurance Guide

11. [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.

Updated 2026-09-24. 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)
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- [Public page index](https://spot.insure/llms.txt)