--- title: "Marsh vs USI Insurance Services Commercial Property Insurance" description: "Marsh McLennan Agency's technology practice bundles property with cyber for data centers; USI's technology practice itemizes property, business income and contingent business income." canonical: "https://spot.insure/compare/marsh-vs-usi/commercial-property" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-vs-usi/commercial-property) # Marsh vs USI Insurance Services Commercial Property Insurance Marsh McLennan Agency's technology practice bundles property with cyber for data centers; USI's technology practice itemizes property, business income and contingent business income. ## Research Scope and Use Use this comparison to evaluate Marsh and USI Insurance Services 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's technology practice pairs property with cyber, equipment breakdown and general liability for data centers. USI's technology practice instead itemizes property, business income and contingent business income as separate placement components for software and hardware companies. [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") ## 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 USI Insurance Services? USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [7](https://www.usi.com/about-usi "The Power of ONE") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [9](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## 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. [11](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") ## Key Differences in Commercial Property Insurance ### Two Technology-Focused Practices, Different Segments Marsh's technology industry practice names data centers as its focus, pairing property with equipment breakdown, business interruption, cyber and general liability specifically for that infrastructure. [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") USI's Technology practice instead names software, hardware, networking, semiconductor and communications companies from early seed stage through IPO as the segment it serves for this line. USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Company description of client segments for each practice..) ### How Each Practice Breaks Down the Coverage USI's Technology practice itemizes property, business income and contingent business income as three distinct placement components. [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Marsh's technology practice instead describes a single bundle built around data-center risk, combining property with equipment breakdown, cyber and general liability rather than separating business-income coverage into its own line. [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") ### Named Analytics vs. Named Alternative Risk Tools USI says its property & casualty team uses a named USI ONE analytics process with dedicated property analysts and risk control specialists. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") Marsh McLennan Agency's (MMA) broader property page instead lists catastrophe modeling, hazard assessment and alternative risk solutions such as captives and parametric insurance. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ## What to Confirm in Commercial Property Insurance Quotes - Ask Marsh whether its data-center coverage bundle applies to your facility type or only to dedicated data centers. [6](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data Center Insurance and Risk Management Services") - Ask USI whether contingent business income, which depends on a third party's property being damaged, is included by default or priced separately. [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") - Get the issuing insurer from both; neither reviewed page names one for commercial property. [5](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") - Ask USI how its USI ONE analytics process would apply to your specific facility before assuming it changes your quote. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") ## Offering Details | Criteria | Marsh McLennan Agency Commercial Property Insurance | USI Commercial Property Brokerage | | --- | --- | --- | | 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..) | USI is a broker for commercial property insurance. Its property & casualty team places property coverage for clients rather than underwriting it, and its Technology practice separately places property, business-income and contingent business-income coverage for technology clients. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Property & Casualty and Technology practice pages..) | | 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..) | Neither page names the insurers USI uses for commercial property placements. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Who It’s For | Not described in the reviewed sources. | USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Company description of client segments for each practice..) | | 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..)

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..) | USI's Technology practice itemizes property, business income and contingent business income as distinct placement components; its broader property & casualty team lists "Property Coverage" among the risk exposures it advises on. [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Practice pages' coverage lists; actual insuring agreements, valuation basis and exclusions are set by the issued policy..) | | Limits and Retentions | Not described in the reviewed sources. | Neither page publishes property limit, deductible or valuation figures. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | 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..) | USI says its property & casualty resource team includes dedicated property analysts and risk control specialists who use its USI ONE analytics process to identify and target property risk exposures. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company description of team composition and process; outcomes are not independently verified..) | | 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..) | USI directs commercial property inquiries to pcinquiries@usi.com or a local USI office. [10](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Contact instructions on the Property & Casualty and Technology pages..) | ## Full Comparison - [Marsh vs USI Insurance Services](https://spot.insure/compare/marsh-vs-usi): 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 USI Insurance Services Crime Insurance](https://spot.insure/compare/marsh-vs-usi/crime) - [Marsh vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/marsh-vs-usi/cyber) - [Marsh vs USI Insurance Services D&O Insurance](https://spot.insure/compare/marsh-vs-usi/directors-officers) - [Marsh vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/marsh-vs-usi/employee-health-benefits) - [Marsh vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-usi/employment-practices) - [Marsh vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-usi/fiduciary) - [Marsh vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/marsh-vs-usi/management-liability) - [Marsh vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-usi/professional-errors-omissions) - [Marsh vs USI Insurance Services Surety Bonds](https://spot.insure/compare/marsh-vs-usi/surety-bonds) - [Marsh vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-usi/workers-compensation) - [Alliance Risk vs Marsh Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/commercial-property) - [Alliance Risk vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-usi/commercial-property) - [Beazley vs Marsh Commercial Property Insurance](https://spot.insure/compare/beazley-vs-marsh/commercial-property) - [Beazley vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/beazley-vs-usi/commercial-property) - [CFC vs Marsh Commercial Property Insurance](https://spot.insure/compare/cfc-vs-marsh/commercial-property) - [CFC vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/cfc-vs-usi/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. ### USI Insurance Services 7. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 8. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: Property, Business Income and Contingent Business Income.... Accessed 2026-09-23. 9. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 10. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Property Coverage...; property analysts...risk control specialists.... Accessed 2026-09-23. ### Commercial Property Insurance Guide 11. [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-usi/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)