---
title: "Marsh vs TechInsurance: Commercial Property Insurance"
description: "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."
canonical: "https://spot.insure/compare/marsh-vs-techinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "marsh-vs-techinsurance"
provider-a: "marsh"
provider-b: "techinsurance"
coverage-line: "commercial-property"
---

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

## Agent Guide

**What this page is:** Focused comparison of Marsh and TechInsurance for Commercial Property 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 Commercial Property Insurance questions about Marsh versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh vs TechInsurance for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Marsh or TechInsurance?
- What does Marsh or TechInsurance publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Marsh and TechInsurance.
- 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 2026-09-23.

**Related pages:**
- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance) — all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — how this coverage works
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

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

## Marsh vs TechInsurance Commercial Property Insurance 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. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [3](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

## 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. [3](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. [1](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. [3](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. [1](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. [3](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. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

## 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](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. [1](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Get the issuing insurer from both; neither reviewed page names one. [3](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") [1](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. [3](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

## Marsh vs TechInsurance Commercial Property Insurance Compared

| 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. [1](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. [3](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: 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. [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..)<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. [2](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). [3](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). [3](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..) |
| 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](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [2](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. [3](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |

## About Marsh and TechInsurance and Commercial Property Insurance

- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property)

## Related Pages for Marsh vs TechInsurance Commercial Property Insurance

- [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 protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Marsh Commercial Property Insurance](https://spot.insure/insurance-providers/marsh/commercial-property)
- [TechInsurance Commercial Property Insurance](https://spot.insure/insurance-providers/techinsurance/commercial-property)

## Sources for Marsh vs TechInsurance Commercial Property Insurance

### Sources About Marsh

1. [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.
2. [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.

### Sources About TechInsurance

3. [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.

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)