Marsh vs 
TechInsurance Workers’ Compensation Insurance
TechInsurance publishes a median monthly premium and names four monopolistic states; MMA covers the line briefly within its general casualty page.
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. 1,2,3,4
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. 6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. 9,10,11
Key Differences in Workers’ Compensation Insurance
Published Pricing Versus a Brief Casualty Mention
TechInsurance reports a median premium of $54 a month, or about $643 a year, across its book, while noting actual cost depends on employee count, location and industry.
TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 8Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
MMA's page doesn't publish comparable pricing; it describes workers' compensation in a single sentence as one line within its broader casualty practice instead. 5
Naming State-Fund Requirements
TechInsurance names Wyoming, Washington, Ohio and North Dakota as the monopolistic states requiring a state fund. 8 MMA's page doesn't name specific monopolistic states; it lists risk consulting and claims-management services applied across its casualty program broadly instead. 5
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask TechInsurance whether its $54 median reflects a business your size and industry. 8
- If you're in Wyoming, Washington, Ohio or North Dakota, ask MMA how it would handle the state-fund requirement. 8 5
- Ask MMA which insurer it would place your policy with; its page names none. 5
- Confirm which insurer TechInsurance would use as well, since its page doesn't name one either. 8
Offering Details
Marsh vs TechInsurance Workers’ Compensation Insurance: documented features by provider
| Criteria | Marsh McLennan Agency Workers' Compensation Insurance | TechInsurance Workers' Compensation Insurance |
|---|---|---|
| Role in This Line | Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. 5Company-reported. MMA casualty insurance page, Workers' Compensation subsection. | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. 8Company-reported. Workers' compensation product page. |
| Issuing Insurer | The reviewed page does not name a specific workers' compensation insurer. 5Not publicly disclosed. MMA casualty insurance page as read on 2026-09-23. | The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. 8Not publicly disclosed. Workers' compensation product page as read on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. 8Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section. |
| Coverage Features | MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. 5Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form. | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. 8Company-reported. Workers' compensation product page; general policy description, not a specific policy form. |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 8Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. 5Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation. | Not described in the reviewed sources. |
| How to Apply | You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. 5Company-reported. MMA casualty insurance page. | You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. 8Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section. |
Full Comparison
More Marsh vs TechInsurance Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Marsh
- Marsh | Leader in risk, strategy, people, and investments. 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.
- Compensation guide for US clients. 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.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Comprehensive Casualty Cover. Marsh McLennan Agency; Casualty Coverage section: Risk Consulting, Claims Management, Risk Analytics, Workers' Compensation subsection (coverage for medical expenses, lost wages, and more in the event of an on-the-job injury or death). Accessed 2026-09-23.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- 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.
- Workers' Compensation Insurance – Compare Quotes. TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance? Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
