---
title: "Marsh vs TechInsurance Commercial Property Insurance"
description: "Marsh McLennan Agency describes advisory property services with no published pricing; TechInsurance publishes a median premium and offers a same-day certificate."
canonical: "https://spot.insure/compare/marsh-vs-techinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-techinsurance/commercial-property)

# Marsh vs TechInsurance Commercial Property Insurance

Marsh McLennan Agency describes advisory property services with no published pricing; TechInsurance publishes a median premium and offers a same-day certificate.

## Research Scope and Use

Use this comparison to evaluate Marsh and TechInsurance for Commercial Property 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 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Commercial Property Insurance?

Commercial property insurance addresses physical business assets, including buildings, equipment, furniture and inventory, subject to the policy’s covered property, causes and terms. [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)")

## Key Differences in 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

### 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

### Getting a Certificate

TechInsurance says a certificate of insurance is typically available the same day you buy coverage through its online application. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") MMA's page does not describe a certificate-issuance timeline, consistent with its advisor-led rather than online-purchase process. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

## What to Confirm in 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")
- Ask Marsh McLennan Agency for a specific cost estimate, since its page does not publish pricing the way TechInsurance's median figure does. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Get the issuing insurer from both; neither reviewed page names one. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Ask TechInsurance about equipment breakdown coverage, which its page says needs a separate endorsement rather than coming standard. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

## Offering Details

| Criteria | Marsh McLennan Agency Commercial Property Insurance | TechInsurance Commercial Property Insurance |
| --- | --- | --- |
| 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. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") (Evidence: Company-reported; scope: 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |
| Issuing Insurer | The reviewed pages do not name a specific commercial property insurer. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Not publicly disclosed; scope: Commercial property product page as read on 2026-09-23..) |
| 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. [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..)<br><br>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. [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") (Evidence: Company-reported; scope: 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). [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page; general policy description, not a specific policy form..)<br><br>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). [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page, What isn't covered section..) |
| Limits and Retentions | 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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 alternative risk solutions such as captives and parametric insurance options. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Benefits of Property Insurance section..) | 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..) | 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. [9](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |

## Full Comparison

- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can help repair or replace your building, equipment and stock after a covered loss.
- [Marsh vs TechInsurance Cyber Insurance](https://spot.insure/compare/marsh-vs-techinsurance/cyber)
- [Marsh vs TechInsurance D&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/directors-officers)
- [Marsh vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-techinsurance/employment-practices)
- [Marsh vs TechInsurance Fidelity Bonds](https://spot.insure/compare/marsh-vs-techinsurance/fidelity-bonds)
- [Marsh vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-techinsurance/professional-errors-omissions)
- [Marsh vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/marsh-vs-techinsurance/technology-errors-omissions)
- [Marsh vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Marsh Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/commercial-property)
- [Alliance Risk vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-property)
- [Beazley vs Marsh Commercial Property Insurance](https://spot.insure/compare/beazley-vs-marsh/commercial-property)
- [Beazley vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/beazley-vs-techinsurance/commercial-property)
- [CFC vs Marsh Commercial Property Insurance](https://spot.insure/compare/cfc-vs-marsh/commercial-property)
- [CFC vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/cfc-vs-techinsurance/commercial-property)

## 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; Property Insurance section: physical-asset protection; Flood, Hurricane and Windstorm, Wildfire, Earthquake subsections; Benefits of Property Insurance. Accessed 2026-09-23.
6. [Data Center Insurance and Risk Management Services](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Managing data center risk; FAQ: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-23.

### TechInsurance

7. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
8. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
9. [Commercial Property Insurance Quotes Online](https://www.techinsurance.com/commercial-property-insurance). TechInsurance; What is covered under commercial property insurance? (theft, company-owned buildings, weather damage, accidental damage, vandalism); How much does commercial property insurance cost?; What isn't covered by commercial property insurance?; How does property insurance coverage work? (actual cash value vs. replacement cost). Accessed 2026-09-23.

### Commercial Property Insurance Guide

10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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-techinsurance/commercial-property.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)