Marsh vs WithCoverage Builders Risk Insurance

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. ⁵Company-reported. MMA property insurance page, Builders' Risk subsection.

WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. ^9,11Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk.

The reviewed page does not name a specific builders' risk insurer. ⁵Not publicly disclosed. MMA property insurance page as read on 2026-09-23.

The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. ^9,11Not found in reviewed sources. Construction page and terms as read on 2026-09-23.

Not described in the reviewed sources.

WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. ^9,10Company-reported. Construction industry page and risk-advisors Vin spotlight.

MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. ⁵Company-reported. MMA property insurance page; illustrative description, not a specific policy form.

Not described in the reviewed sources.

MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. ⁵Company-reported. MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk.

WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. ¹⁰Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement.

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. ⁵Company-reported. MMA property insurance page.

WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ⁹Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does.