Marsh vs TechInsurance 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.

TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁹Company-reported. Commercial property product page.

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.

The reviewed page does not name the issuing insurer for a commercial property policy. ⁹Not publicly disclosed. Commercial property product page as read on 2026-09-23.

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.

TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁹Company-reported. Commercial property product page; general policy description, not a specific policy form.

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁹Company-reported. Commercial property product page, What isn't covered section.

Not described in the reviewed sources.

TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁹Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

Not described in the reviewed sources.

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 request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁹Company-reported. Commercial property product page.