Marsh vs TechInsurance: How Do They Compare for Commercial Property Insurance?

TechInsurance lists a $108 monthly median among property policyholders and offers online quotes; Marsh provides catastrophe modeling, claims advocacy and data-center services.

Marsh McLennan Agency describes hazard assessment, valuation and catastrophe modeling for property risk without publishing pricing. TechInsurance publishes a median premium of about $108 a month and offers same-day certificates of insurance. ^1,³

What Are the Key Differences Between Marsh and TechInsurance Commercial Property Insurance?

Published Pricing vs. Advisory Services

TechInsurance says its commercial property policyholders pay a median of $108 a month, with the exact premium depending on location, coverage limits, equipment value and building characteristics.

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. ³Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Marsh McLennan Agency's (MMA) page does not publish pricing at all; instead it lists services such as hazard assessment, valuation and catastrophe modeling that a self-serve online quote would not include. ¹

How Coverage Value Is Determined

TechInsurance lets buyers choose between actual cash value, which pays depreciated value and costs less, and replacement cost, which pays to replace with new equivalent items and costs more. ³ MMA's page does not describe a comparable valuation choice, instead naming catastrophe perils — flood, hurricane, wildfire and earthquake — available as endorsements to its general coverage. ¹

Getting a Certificate

TechInsurance says a certificate of insurance is typically available the same day you buy coverage through its online application. ³ MMA's page does not describe a certificate-issuance timeline, consistent with its advisor-led rather than online-purchase process. ¹

What Should You Confirm in Marsh and TechInsurance Commercial Property Insurance Quotes?

Ask TechInsurance whether your quote is based on actual cash value or replacement cost, since the choice changes both premium and claim payout. ³
Ask Marsh McLennan Agency for a specific cost estimate, since its page does not publish pricing the way TechInsurance's median figure does. ¹
Get the issuing insurer from both; neither reviewed page names one. ³ ¹
Ask TechInsurance about equipment breakdown coverage, which its page says needs a separate endorsement rather than coming standard. ³

Marsh vs TechInsurance Commercial Property Insurance Compared

Marsh vs TechInsurance: Commercial Property Insurance: documented features by provider

Criteria	Marsh McLennan Agency Commercial Property Insurance	TechInsurance Commercial Property 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. ¹Company-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. ³Company-reported. Commercial property product page.
Coverage Features	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. ¹Company-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. ²Company-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). ³Company-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). ³Company-reported. Commercial property product page, What isn't covered section.
Role in This Line	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. ^1,²Company-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. ³Company-reported. Commercial property product page.

Criteria

Marsh McLennan Agency Commercial Property Insurance

TechInsurance Commercial Property 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. ¹Company-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. ³Company-reported. Commercial property product page.

Coverage Features

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. ¹Company-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. ²Company-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). ³Company-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). ³Company-reported. Commercial property product page, What isn't covered section.

Role in This Line

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. ^1,²Company-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. ³Company-reported. Commercial property product page.