Is Marsh McLennan Agency Legit? Licensing, Carriers and Reliability
Marsh McLennan Agency has no Broker Spot Score because the reviewed evidence is insufficient for a numerical assessment. Spot Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
Assessment
Assessment status unavailable
No numerical score is published. The evidence we found doesn't settle which Marsh McLennan Agency entity will place a given policy, and a proposed name change is still open. Ask for the contracting producer and insurer in your proposal.
Assessment subject unavailable
Assessed 2026-09-29 · Review due 2026-10-29
Evidence and Scope
Role: Broker. Scope: Marsh McLennan Agency (MMA), the US middle-market brokerage arm of Marsh, and its legal entity Marsh & McLennan Agency LLC. MMA also operates in Canada; this packet covers the US only. Ratings or complaints for Marsh (global, UK Marsh Commercial) are not used. No numerical Spot Score is included.
Identity and authority
Marsh lists Marsh & McLennan Agency LLC as the current US legal entity for Marsh Agency (formerly MMA), with Marsh Agency LLC proposed. The accepted Louisiana record names the current LLC as a Producer Agency for Louisiana. Separately, the provider-published Thompkins Masonic program page names Marsh & McLennan Insurance Agency LLC and prints California license identifier spellings OH18131 and 0H18131 in different page locations. Do not collapse these legal entities, resolve the spelling discrepancy, infer a nationwide license, or assign either disclosure to an unrelated policy placement.[5][6][7][1][13]
Financial evidence
Claims and servicing
Accepted Tampa research lists InsurLink policy/endorsement access, CSR24 certificates, carrier claim contacts and a local consultant route for that office. MMA’s business-interruption page describes advocacy with insurers for complex claim issues. This does not establish claim adjustment, payment, insurer identity, or a general service-level promise.[9][4]
Carrier network
MMA says it works with a wide variety of carriers but the reviewed page names no carriers, appointments, placement shares, terms, or account-specific insurer. Carrier strength is not transferred to MMA.[8]
Regulatory conduct
Texas has disciplined Marsh & McLennan Agency LLC for the same problem more than once: filing surplus lines policies late with the state stamping office. A consent order dated 2025-12-18 (No. 2025-9693) imposed $59,825 for late filings in 2024. A consent order dated 2024-10-03 (No. 2024-8885) imposed $28,300 for late filings in 2023. The 2025 order lists earlier orders from 2017, 2018, 2020 and 2024. These are paperwork-timing violations, not findings that claims were mishandled.[10][11]
A search also surfaced Alaska Division of Insurance orders (for example D23-03) naming the company. We haven't confirmed their contents, so we report no details. We did not check other states' regulators or the NIPR database, so this is not a complete conduct history.[12][6]
Disclosure and compensation
Complaints and accountability evidence
BBB's San Diego-area profile for Marsh & McLennan Agency LLC (grade A, accredited) shows four complaints closed in three years, one in the last 12 months. Examples include a commercial vehicle cancellation dispute and one personal-lines claim; the company answered the vehicle complaint. BBB's Dayton and Schaumburg office profiles show A+ and zero complaints in three years. Complaints are unverified customer accounts with no client-count denominator.[3][14][15]
Evidence gaps
- The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.
- Completion status by state for proposed Marsh Agency LLC name.
- Issuing insurer/program administrator for each quote.
- MMA-entity financial statements, liquidity or parent support obligation.
- Named carrier appointments, placement shares and line-specific network evidence.
- A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.
- Buyer-specific compensation, service agreement and fee/commission terms.
- Full policy forms, limits, retentions, exclusions and claims administrator.
- Alaska Division of Insurance orders naming the company (such as D23-03) exist, but their amounts and findings haven't been confirmed.
- Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.
- MMA operates in Canada too; no Canadian provincial regulator was researched.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 Louisiana | Verified regulator result[6] | Louisiana DOI record lists Marsh & McLennan Agency LLC as an active Producer Agency (499904), authority through 2028-03-31. It also notes an earlier lapse and resume. |
 Texas | Verified regulator result[10][11] | Two Texas Department of Insurance consent orders (2024-10-03 and 2025-12-18) name Marsh & McLennan Agency LLC as holding surplus lines license 1667605 and record late-filing penalties. |
 Alaska | Source inaccessible[12] | Alaska Division of Insurance orders naming the company were found; the contents of order D23-03 haven't been confirmed. |
 California | Company-reported disclosure[7] | Provider program page names Marsh & McLennan Insurance Agency LLC, a different entity, with license text printed as OH18131 in the body and 0H18131 in the footer. Not a regulator check. |
| OUOther US States And NIPR | Not researched[5] | No other state license or enforcement search was done. That is a limit of this research, not an adverse finding. |
| CCanada | Not researched[13] | MMA says it operates in the US and Canada. Canadian provincial regulators were not researched. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Marsh & McLennan Agency LLCLouisiana | State license: 499904[6] | Producer Agency; Louisiana record lists active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31; prior lapse/resume entries are retained in source notes. |
| Marsh & McLennan Agency LLCTexas | State license: 1667605[10][11] | Surplus lines license; Stated in Texas Department of Insurance orders dated 2024-10-03 and 2025-12-18 ("holds a surplus lines license issued by the Texas Department of Insurance"). This comes from the orders, not a live TDI license lookup. |
| Marsh & McLennan Insurance Agency LLCCalifornia | State license: OH18131 (body) / 0H18131 (footer)[7][1] | California License / CA Insurance Lic (no more specific class stated); Provider page says Thompkins Masonic Insurance Program is a company of this entity and says it is licensed in California; same page identifies MMA Programs as a division of Marsh & McLennan Agency LLC. Do not resolve the source spelling conflict or transfer this disclosure to another entity. |
Sources
- MMA GPEL Program Guide 2024. Marsh McLennan Agency; 2024 guide, lines 83–85: California d/b/a as Marsh & McLennan Insurance Agency LLC and “CA Insurance Lic: 0H18131.” This is an older personal excess program guide, with 2024–25 policy dates elsewhere in the document; it is not general current commercial placement evidence. Accessed 2026-09-29.
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Marsh & McLennan Agency LLC — BBB Complaints. Better Business Bureau; Lines 46-66: headquarters/corporate-owned locations; lines 121-130: four complaints in three years, one in prior 12 months, detail may be partial. Visible complaints include commercial truck policy cancellation and personal-lines dog claim; MMA response says insurer awaited lease termination documents. Accessed 2026-09-29.
- Business Interruption Insurance. Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established. Accessed 2026-09-28.
- US and Canada Legal Entities. Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD. Accessed 2026-09-28.
- Producer/Adjuster Search — producer agency detail. Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658. Accessed 2026-09-28.
- Thompkins Masonic Insurance Program. Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways. Accessed 2026-09-29.
- Business Insurance. Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named. Accessed 2026-09-29.
- Tampa, Florida. Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role. Accessed 2026-09-29.
- Order No. 2025-9693, Marsh & McLennan Agency LLC. Texas Department of Insurance; Consent order dated 2025-12-18: late surplus-lines filings in 2024, $59,825 penalty; states TX surplus lines license 1667605 and lists prior orders 2017, 2018, 2020, 2024. Accessed 2026-09-29.
- Order No. 2024-8885, Marsh & McLennan Agency LLC. Texas Department of Insurance; Consent order dated 2024-10-03: late surplus-lines filings in 2023, $28,300 penalty; license 1667605. Accessed 2026-09-29.
- Alaska Division of Insurance order D23-03. Alaska Division of Insurance; Existence only; contents not verified. Accessed 2026-09-29.
- Who We Are. Marsh McLennan Agency; States 15,000 colleagues, 300+ offices, US and Canada, a business of Marsh; lists claims management as a service. Accessed 2026-09-29.
- Marsh & McLennan Agency LLC (Dayton, OH) BBB profile. Better Business Bureau; A+, BBB Accredited since 1990, 0 reviews, 0 complaints in 3 years (Dayton office). Accessed 2026-09-29.
- Marsh McLennan Agency (Schaumburg, IL) BBB profile. Better Business Bureau; A+, not accredited, 0 reviews, 0 complaints in 3 years (Schaumburg office). Accessed 2026-09-29.
