---
title: "How Reliable Is Marsh?"
description: "Marsh reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/marsh/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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, and compare_providers for sourced comparisons. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-providers/marsh/reliability)

# How Reliable Is Marsh?

Marsh reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Broker

- **Scope:** US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.

This partial Broker Spot Score covers identity and authority, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **5.6/10**
- **Role:** Broker
- **Scope:** US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Identity and Authority, Disclosure Clarity. Excluded: Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Marsh](/insurance-providers/marsh)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Marsh LLC | US insurance brokerage and client-advisory entity named in the current client compensation guide; not identified by the reviewed sources as a policy insurer. | [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf) |
| Marsh USA LLC | US brokerage entity named in client agreements and, in the current affinity disclosure, as broker and programme administrator for the Amazon affinity programme. It is a single licensed producer of record under National Producer Number 27658, with active agency or producer licences independently retrieved in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota. | [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA Inc. dba Marsh Risk and Insurance Services | Legal name and California dba in the Department of Insurance's 2006 precedential decision under licence 0437153. Marsh's current affinity page footer states that Marsh Affinity is a division of Marsh USA LLC in California doing business as Marsh Risk & Insurance Services under CA Ins. Lic. #0437153, so the company's own current disclosure carries the same dba and the same licence number forward to Marsh USA LLC. That continuity is company-reported; it was not confirmed against a current California regulator record. | [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh Risk | Marsh business under which the firm publishes its US facility programme, described in its own releases as “a business of Marsh (NYSE: MRSH) and the world’s leading insurance broker and risk advisor”. BX1, MLOne and Nimbus Casualty are announced in its name, and the MLOne and BX1 policies are issued on its proprietary Xsellence excess casualty form. It is a Marsh-published business-unit name; the reviewed sources do not establish it as a separate legal entity or identify which licensed Marsh company contracts with a US buyer. | [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html), [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html), [Marsh Risk launches excess casualty insurance facility for US digital infrastructure projects](https://www.marsh.com/en/about/media/marsh-risk-launches-excess-casualty-insurance-facility-us-digital-infrastructure-projects.html) |
| Marsh Risk International Placement (Marsh Bermuda) | Arm named in the BX1 release, which states that the facility is written under a single Marsh Bermuda contract and quotes the Bermuda CEO of Marsh Risk International Placement. It is the route through which Marsh presents Bermuda capacity to US-based clients. Like Marsh Risk, it is a Marsh-published business-unit name rather than a separately evidenced legal entity, and no reviewed source shows it holding a US producer licence. | [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html) |

## Research summary

The reviewed US Marsh materials identify Marsh LLC and Marsh USA LLC as brokerage and client-advisory parties rather than policy insurers. State licensing records verify Marsh USA LLC as a single producer of record under National Producer Number 27658 with current agency or producer authority in seven states, and the California licence reference of 0437153 is reconciled across the 2006 regulatory order and Marsh's current affinity footer, with the table's 437153 being the same number without its leading zero. Current California regulator confirmation, the carrier panel behind any placement and broker-entity financial statements remain unestablished. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Legal Identity

The current US client compensation guide names Marsh LLC and Marsh USA LLC as entities that may enter client agreements for their own services and as agents for non-US Marsh affiliates. It also identifies Marsh as a business of Marsh McLennan, but that group relationship does not make the parent or every affiliate the contracting broker for a particular account. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf)

The California licence reference is reconciled. The Department of Insurance's 2006 precedential decision prints licence 0437153 for MARSH USA, INC., d.b.a. MARSH RISK AND INSURANCE SERVICES, and the live footer of Marsh's affinity licensing page prints the same number, 0437153, for Marsh Affinity as a division of Marsh USA LLC in California doing business as Marsh Risk & Insurance Services. The 437153 printed in the same page's dated table is that licence without its leading zero, not a second licence. The continuity from Marsh USA, Inc. to Marsh USA LLC is Marsh's own current disclosure; it is not independently verified, because the California regulator lookup was not available on 22 September 2026. [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf), [Licensing](https://affinity.marsh.com/affinity/licensing.html), [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### Licensing

For its Amazon affinity-programme disclosure, Marsh USA LLC publishes a Property & Casualty licence table dated March 8, 2024, including Wisconsin 100190887, California 437153 (the same licence the page footer prints as 0437153), New York PC-633691 and the other jurisdictions listed in that table. The table omits Rhode Island, covers only the affinity programme and is a company disclosure; seven of its entries have since been reconciled to state records, and the rest remain company-reported. [Licensing](https://affinity.marsh.com/affinity/licensing.html)

State licensing records retrieved on 22 September 2026 independently confirm Marsh USA LLC as a single producer of record under National Producer Number 27658 with current authority in seven of the jurisdictions the company table lists: Georgia Principal Agency - Nonresident 103207, Texas General Lines Agency 14797 and Surplus Lines Agency 17409, Pennsylvania Producer 55145, Colorado Non-Resident Agency 46594, Nevada Non-Resident Producer Firm 705 and Non-Res Surplus Lines Broker 20025, Indiana Non-Resident Producer Firm 307116N and Non-Resident Surplus Lines 781053, and Minnesota Non-Resident Agency 20352519. The Minnesota record lists no active qualifications, so the lines that licence covers are not established. The remaining jurisdictions in the company table are still company-reported. [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Licensing](https://affinity.marsh.com/affinity/licensing.html)

The Pennsylvania record shows the same number, 55145, twice: as an Active Producer licence with current Casualty, Property, Accident & Health or Sickness and Life qualifications, and as a Non-Resident Producer Agency row marked Inactive effective 10 September 2026. Three unrelated agencies checked in Pennsylvania on the same day show the identical pattern and the identical 10 September 2026 date, which reads as a state licence-class change rather than a restriction on any one firm. That reading is an observation across the four records retrieved; it was not confirmed with the Pennsylvania regulator, so the current Pennsylvania authority relied on here is the Active Producer row. [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

Wisconsin OCI's Agent FAQ explains that a firm has no authority to transact insurance independently; authority lies with its designated responsible licensed producer and actively held lines, and it points users to State Based Systems for license lookup. current authority was not independently established for this assessment. [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Based Systems License Manager](https://sbs.naic.org/solar-external-lookup/license-manager)

### Financial Strength

The latest public SEC Form 10-K for Marsh & McLennan Companies, Inc. reports 2025 consolidated revenue of $26.981 billion and Risk and Insurance Services revenue of $17.265 billion with operating income of $4.636 billion; it identifies Marsh Risk as an insurance broker and risk advisor and states that assets are not reported by segment. These are consolidated parent and segment figures, not statutory capital, surplus, liquidity, or a financial guarantee for Marsh LLC or Marsh USA LLC. [Marsh & McLennan Companies, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/62709/000006270926000022/mrsh-20251231.htm)

The reviewed Marsh brokerage materials state that Marsh makes no representation or warranty concerning the financial condition or solvency of insurers or reinsurers. Broker-entity financial statements and entity-specific capital or liquidity evidence remain separate questions from the parent disclosures. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Marsh & McLennan Companies, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/62709/000006270926000022/mrsh-20251231.htm)

### Risk Bearing

The compensation guide says Marsh facilitates placement on behalf of clients and may operate panels, facilities, quota shares and line slips with insurers. It also identifies separate insurer, reinsurer, Victor and Guy Carpenter relationships, but does not identify Marsh LLC or Marsh USA LLC as the policy insurer for a buyer's account or disclose exposure shares for those arrangements. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf)

Marsh publishes named, quantified capacity for US buyers. Its press release of 18 March 2026 states that BX1, a Bermuda-domiciled facility for US-based clients, consolidates capacity from the Bermuda insurers Ascot, Markel, Ark and Sompo into a single US$50 million excess casualty block under one Marsh Bermuda contract, issued on Marsh Risk’s proprietary Xsellence follow-form wording with a minimum attachment point starting as low as US$10 million. Its press release of 13 July 2026 states that MLOne consolidates up to US$30 million of US lead umbrella capacity into a quota-share block led by Allianz Commercial, which assumes claims handling for the entire quota share, and that MLOne can be combined with BX1 and the US excess casualty facility MX1. Both statements are Marsh-published; the participants, their shares and the current status of either facility were not independently confirmed. [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html), [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html)

Two further Marsh facilities are named and sized but identify markets rather than insurers. The press release of 19 February 2026 states that Nimbus Casualty provides up to US$75 million of excess general liability for the construction phase of US digital-infrastructure projects, with a minimum attachment point of US$25 million, supported by a panel of A+ rated Lloyd’s and London insurers. Marsh’s Cyber ECHO page states that the excess cyber facility provides over US$200 million of capacity, that a client can choose whether its facility is underwritten by Lloyd’s of London insurers, company markets or Bermuda-based insurers, and that one lead controls underwriting while two leads handle claims per panel. Neither page names a participating insurer, so nothing about the strength of those panels is established here. [Marsh Risk launches excess casualty insurance facility for US digital infrastructure projects](https://www.marsh.com/en/about/media/marsh-risk-launches-excess-casualty-insurance-facility-us-digital-infrastructure-projects.html), [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html)

These facilities are published under the Marsh Risk business and, for BX1, under a Marsh Bermuda contract placed through Marsh Risk International Placement. Both names are now within the assessed scope because Marsh itself uses them to present this capacity to US-based buyers, but neither is established by the reviewed sources as a separate legal entity, and no reviewed source states which licensed Marsh company contracts with a US client for a facility placement. None of the reviewed sources identifies the insurer for an individual client’s placement, a share of business by insurer, or the term of any facility, and none names an insurer for a technology or cyber buyer. [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html), [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html), [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html)

Regulator appointment records do not corroborate any of it. The Colorado record is the only one of the seven checked that lists carrier appointments for Marsh USA LLC, and every appointment on it is inactive and was terminated between 1999 and 2000. The compensation guide, separately, leaves its panels, facilities, quota shares and line slips undisclosed as to insurer, terms and share. [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf)

### Claims Service

Marsh describes claims management as an advisory service between the business, insurer, third-party claims administrator and other stakeholders, including claim preparation, presentation, negotiation and process support. This establishes a documented service function, not a promise that Marsh pays or adjudicates the claim. [Claims Management](https://www.marsh.com/en/services/claims-management.html)

The compensation guide gives clients an Ethics & Compliance line for concerns about compensation paid or payable by insurers or other third parties. It also describes written client service agreements and multiple possible fee and commission arrangements, so account-specific compensation remains a confirmation item. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf)

### Regulatory Record

The California Department of Insurance's 2006 precedential decision names Marsh USA, Inc. dba Marsh Risk and Insurance Services and records a matter involving approximately $100 million in California policyholder payments, allegations involving former Marsh employees, stipulated reforms and $15,000 in investigation-cost reimbursement; the respondents neither admitted nor denied the allegations or legal conclusions. Because the action predates the default five-year conduct window, it is historical identity and accountability context rather than a current adverse finding. [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Marsh USA LLC | Alaska | State license | 7782 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Alabama | State license | 184761 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Arkansas | State license | 100105836 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Arizona | State license | 1800003403 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | California | State license | 0437153 | Property & Casualty License | Stated as 0437153 in the Department of Insurance's 2006 precedential decision and in the current Marsh Affinity page footer; the same page's dated table prints the same licence as 437153 without its leading zero. Current authority is not independently verified because the California regulator lookup was not available on 22 September 2026. | Company-reported | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf), [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |
| Marsh USA LLC | Colorado | State license | 46594 | Non-Resident Agency | Colorado record retrieved 22 September 2026 shows Status Active to 08-01-2027 with active Property, Casualty, Surplus Lines, Life and Accident and Health qualifications; Personal Lines is Inactive | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Connecticut | State license | 533650 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | District of Columbia | State license | 9902067 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Delaware | State license | 152229 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Florida | State license | L035099 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Georgia | State license | 103207 | Principal Agency - Nonresident | Georgia record retrieved 22 September 2026 shows Status Active to 08-31-2028 with active Property, Casualty, Life and Accident & Sickness qualifications under NPN 27658 | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Hawaii | State license | 300200 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Iowa | State license | 1001000374 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Idaho | State license | 115417 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Illinois | State license | 100291927 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Indiana | State license | 307116N | Non-Resident Producer Firm | Indiana record retrieved 22 September 2026 shows Status Active to 01-31-2028 with active Property and Casualty and Life, Accident and Health qualifications | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Kansas | State license | 361436000-19 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Kentucky | State license | DOI-514638 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Louisiana | State license | 288792 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Massachusetts | State license | 1809884 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Maryland | State license | 1280 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Maine | State license | AGN37019 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Michigan | State license | 4536 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Minnesota | State license | 20352519 | Non-Resident Agency | Minnesota record retrieved 22 September 2026 shows Status Active to 10-31-2028; the record states there are no active qualifications for this licence, so the lines it covers are not established | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Missouri | State license | 8615 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Mississippi | State license | 206096 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Montana | State license | 968820 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | North Carolina | State license | 1000011881 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | North Dakota | State license | 20290108 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Nebraska | State license | 100175985 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | New Hampshire | State license | 355051 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | New Jersey | State license | 8022364 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | New Mexico | State license | 1800001554 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Nevada | State license | 705 | Non-Resident Producer Firm | Nevada record retrieved 22 September 2026 shows Status Active to 07-31-2029 under NPN 27658 | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | New York | State license | PC-633691 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Ohio | State license | 24035 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Oklahoma | State license | 8861 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Oregon | State license | 100152619 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Pennsylvania | State license | 55145 | Producer | Pennsylvania record retrieved 22 September 2026 shows the Producer licence Status Active to 11-15-2027 with active Casualty, Property, Accident & Health or Sickness and Life qualifications; a separate Non-Resident Producer Agency row under the same number is shown Inactive effective 09-10-2026 | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | South Carolina | State license | 1907810878 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | South Dakota | State license | 7001 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Tennessee | State license | 1569 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Texas | State license | 14797 | General Lines Agency | Texas record retrieved 22 September 2026 shows Status Active to 09-06-2027 with active Property and Casualty and Life, Acc., Health & HMO qualifications under NPN 27658 | Active | 2026-09-22 | [Licensing](https://affinity.marsh.com/affinity/licensing.html), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Utah | State license | 5263 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Virginia | State license | 108379 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | U.S. Virgin Islands | State license | 100341546 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Vermont | State license | 538375 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Washington | State license | 82040 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Wisconsin | State license | 100190887 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | West Virginia | State license | 100111513 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Wyoming | State license | 9570 | Property & Casualty License | P&C authority as described by the company; current authority not independently verified | Company-reported | 2026-09-21 | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| Marsh USA LLC | Texas | Surplus-lines authority | 17409 | Surplus Lines Agency | Texas record retrieved 22 September 2026 shows Status Active | Active | 2026-09-22 | [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Nevada | Surplus-lines authority | 20025 | Non-Res Surplus Lines Broker | Nevada record retrieved 22 September 2026 shows Status Active to 01-31-2027 | Active | 2026-09-22 | [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| Marsh USA LLC | Indiana | Surplus-lines authority | 781053 | Non-Resident Surplus Lines | Indiana record retrieved 22 September 2026 shows Status Active to 09-30-2027 | Active | 2026-09-22 | [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| WI | Inaccessible | Reviewed Wisconsin OCI's Agent FAQ and attempted the linked State Based Systems business-entity search for Marsh USA LLC; no current result was available. | [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Based Systems License Manager](https://sbs.naic.org/solar-external-lookup/license-manager) |
| CA | Inaccessible | The California Department of Insurance licence-number search was attempted on 22 September 2026 for 0437153, for 437153 and for the business name MARSH; the lookup was not available, so this is not a finding that no licence exists. | [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm) |
| US | Not researched | Seven of the jurisdictions in the March 8, 2024 affinity table were reconciled to state licensing records; the remaining 42 were not checked and stay company-reported. | [Licensing](https://affinity.marsh.com/affinity/licensing.html) |
| GA | Verified | Georgia record shows MARSH USA LLC, NPN 27658, Principal Agency - Nonresident 103207 Active to 08-31-2028 with Property, Casualty, Life and Accident & Sickness qualifications active. | [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| TX | Verified | Texas record shows General Lines Agency 14797 Active to 09-06-2027 and Surplus Lines Agency 17409 Active; two older licences are Inactive. | [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| PA | Verified | Pennsylvania record shows Producer 55145 Active to 11-15-2027 with Casualty, Property, Accident & Health or Sickness and Life active; a duplicate Non-Resident Producer Agency row under the same number is Inactive effective 09-10-2026. | [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CO | Verified | Colorado record shows Non-Resident Agency 46594 Active to 08-01-2027 with Property, Casualty, Surplus Lines, Life and Accident and Health active; the appointment list holds only appointments terminated in 1999 and 2000. | [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| NV | Verified | Nevada record shows Non-Resident Producer Firm 705 Active to 07-31-2029 and Non-Res Surplus Lines Broker 20025 Active to 01-31-2027. | [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| IN | Verified | Indiana record shows Non-Resident Producer Firm 307116N Active to 01-31-2028 with Property and Casualty and Life, Accident and Health active, and Non-Resident Surplus Lines 781053 Active. | [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| MN | Verified | Minnesota record shows Non-Resident Agency 20352519 Active to 10-31-2028, with no active qualifications listed for the licence. | [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |

## Rating dimensions

### Broker Spot Score

Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html), [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html), [Marsh Risk launches excess casualty insurance facility for US digital infrastructure projects](https://www.marsh.com/en/about/media/marsh-risk-launches-excess-casualty-insurance-facility-us-digital-infrastructure-projects.html), [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Identity and Authority | 2.31 | 30% | 3.85 | [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf), [Licensing](https://affinity.marsh.com/affinity/licensing.html), [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Based Systems License Manager](https://sbs.naic.org/solar-external-lookup/license-manager) |
| Disclosure Clarity | 2.12 | 15% | 1.77 | [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf), [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm), [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf), [Licensing](https://affinity.marsh.com/affinity/licensing.html), [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx), [State Based Systems License Manager](https://sbs.naic.org/solar-external-lookup/license-manager), [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html), [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html), [Marsh Risk launches excess casualty insurance facility for US digital infrastructure projects](https://www.marsh.com/en/about/media/marsh-risk-launches-excess-casualty-insurance-facility-us-digital-infrastructure-projects.html), [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html), [Claims Management](https://www.marsh.com/en/services/claims-management.html) |

## Evidence gaps

- Current California regulator confirmation of licence 0437153 for Marsh USA LLC. The Department of Insurance licence-number and business-name searches were attempted on 22 September 2026 for 0437153, 437153 and MARSH; the lookup was not available.
- Regulator confirmation of the 42 jurisdictions in the company table that were not checked, including Wisconsin, New York and Florida.
- Reconciliation of Marsh USA Inc. dba Marsh Risk and Insurance Services with current Marsh USA LLC legal and licensing records.
- The Minnesota record lists no active qualifications for licence 20352519, so the lines that licence authorises are not established.
- The responsible licensed producer and any required appointments for a specific state engagement; the verified agency licences do not establish account-specific authority.
- The exact policy issuer, capacity provider, reinsurance participation, exposure share and claims administrator for any buyer's placement.
- Marsh’s named capacity evidence (BX1, MLOne, Nimbus Casualty and Cyber ECHO) is company-published and facility-level; the participants, their shares and the current status of each facility were not independently confirmed, and no insurer is identified for an individual placement.
- Marsh Risk and Marsh Risk International Placement (Marsh Bermuda) are Marsh-published business-unit names carried into the assessed scope on Marsh’s own facility announcements; neither is reconciled here to a legal entity, a producer licence, or the company that contracts with a US buyer for a facility placement.
- The Nimbus Casualty and Cyber ECHO panels are described only by market (Lloyd’s, company markets and Bermuda); no syndicate or insurer on either panel is named.
- Marsh & McLennan Companies, Inc. publishes consolidated and Risk and Insurance Services figures, but Marsh LLC and Marsh USA LLC broker-entity financial statements, capital and liquidity evidence and any parent support obligation remain unestablished.
- A current five-year regulatory search across the assessed US brokerage entities remains incomplete; the historical California proceeding is outside that window and does not by itself establish current conduct.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Compensation Guide for US Clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf) — Marsh; Pages 3-6: Marsh describes its role as an insurance broker; core US broking segments; Marsh LLC and Marsh USA LLC client agreements; compensation, placement arrangements, affiliate and insurer/reinsurer disclosures; copyright notice for Marsh LLC; accessed 2026-09-21.
- [Licensing](https://affinity.marsh.com/affinity/licensing.html) — Marsh USA LLC; Licensing table and live footer, re-read 22 September 2026: footer reads (c) MARSH LLC. ALL RIGHTS RESERVED. MARSH AFFINITY, A DIVISION OF MARSH USA LLC IN CA, DBA MARSH RISK & INSURANCE SERVICES; CA INS. LIC. #0437153. The property-and-casualty table is headed as of 03/08/2024 and prints the California row as 437153, without a leading zero; the table omits Rhode Island and is a company disclosure for the Amazon affinity programme, not current regulator verification.; accessed 2026-09-22.
- [Claims Management](https://www.marsh.com/en/services/claims-management.html) — Marsh; FAQ: claims management as an advisor between a business, insurer, third-party claims administrator and other stakeholders; preparation, presentation, negotiation and claims-process support; listed claim categories; accessed 2026-09-21.
- [Marsh & McLennan Companies, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/62709/000006270926000022/mrsh-20251231.htm) — U.S. Securities and Exchange Commission; Fiscal year ended December 31, 2025; Item 1 Risk and Insurance Services; Item 7 segment results; Note 17 segment information: consolidated revenue, Marsh Risk revenue and operating income, and disclosure that assets are not reported by segment; accessed 2026-09-21.
- [Marsh USA, Inc. Decision and Order](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/upload/marsh-usa-inc.pdf) — California Department of Insurance; Precedential Decision No. 06-01, pages 1-5: Marsh USA, Inc. dba Marsh Risk and Insurance Services, license 0437153; approximately $100 million in California policyholder payments, stipulated reforms and $15,000 investigation-cost reimbursement in 2006.; accessed 2026-09-21.
- [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: a firm has no authority to transact insurance independently; authority lies with its Designated Responsible Licensed Producer (DRLP) and actively held lines, with State Based Systems identified for license lookup; accessed 2026-09-21.
- [State Based Systems License Manager](https://sbs.naic.org/solar-external-lookup/license-manager) — National Association of Insurance Commissioners; Wisconsin business-entity lookup for Marsh USA LLC; current authority was not independently established; accessed 2026-09-21.
- [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California licence-number search attempted 22 September 2026 for 0437153, for 437153 and for the business name MARSH. The lookup was not available and the responses are not a regulator finding of no licence.; accessed 2026-09-22.
- [Georgia Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Georgia insurance licensing lookup; Firm Consumer Inquiry for the State of Georgia, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; Principal Agency - Nonresident licence 103207, Status Active, original issue 08-18-2003, expiration 08-31-2028; active Principal Agency qualifications for Property, Casualty, Life and Accident & Sickness.; accessed 2026-09-22.
- [Texas Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; General Lines Agency licence 14797, Status Active, expiration 09-06-2027, active Property and Casualty and Life, Acc., Health & HMO qualifications; Surplus Lines Agency licence 17409, Status Active; licence 2468796 and Reinsurance Broker licence 2204870 both Inactive.; accessed 2026-09-22.
- [Pennsylvania Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658, alias Doing Business As MARSH & MCLENNAN INC effective 06-12-1998; Producer licence 55145, Status Active, expiration 11-15-2027, active Casualty, Property, Accident & Health or Sickness and Life qualifications; a separate Non-Resident Producer Agency row under the same number 55145 shown Inactive effective 09-10-2026; Resident Surplus Lines licence 25804 Inactive since 2001.; accessed 2026-09-22.
- [Colorado Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Colorado insurance licensing lookup; Firm Consumer Inquiry for the State of Colorado, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; Non-Resident Agency licence 46594, Status Active, expiration 08-01-2027, active Property, Casualty, Surplus Lines, Life and Accident and Health qualifications, Personal Lines Inactive since 07-24-2007. The record's Affiliations/Appointments list shows only inactive carrier appointments terminated between 1999 and 2000, including Federal Insurance Company (NAIC 20281), Fireman's Fund Insurance Company (21873), Great American Insurance Company (16691), Health Net Life Insurance Company (66141) and National Surety Corporation (21881).; accessed 2026-09-22.
- [Nevada Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Nevada insurance licensing lookup; Firm Consumer Inquiry for the State of Nevada, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; Non-Resident Producer Firm licence 705, Status Active, expiration 07-31-2029; Non-Res Surplus Lines Broker licence 20025, Status Active, expiration 01-31-2027; earlier Non-Resident Agency 704 and Non-Resident Broker 705 rows Inactive.; accessed 2026-09-22.
- [Indiana Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Indiana insurance licensing lookup; Firm Consumer Inquiry for the State of Indiana, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; Non-Resident Producer Firm licence 307116N, Status Active, expiration 01-31-2028, active Property and Casualty and Life, Accident and Health qualifications; Non-Resident Surplus Lines licence 781053, Status Active, expiration 09-30-2027.; accessed 2026-09-22.
- [Minnesota Firm Consumer Inquiry - Marsh USA LLC](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Minnesota insurance licensing lookup; Firm Consumer Inquiry for the State of Minnesota, retrieved 22 September 2026: MARSH USA LLC, National Producer Number 27658; Non-Resident Agency licence 20352519, Status Active, expiration 10-31-2028, with the record stating there are no active qualifications for this licence.; accessed 2026-09-22.
- [Precedential Decision Index Entry - Marsh USA, Inc.](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm) — California Department of Insurance; Precedential decision index entry, file DISP05047170-AP, decided 9 March 2006: caption MARSH USA, INC., d.b.a. MARSH RISK AND INSURANCE SERVICES, et al., Respondents; licence number printed as 0437153.; accessed 2026-09-22.
- [Marsh Risk launches Bermuda-based insurance facility](https://www.marsh.com/en/corp/about/news/marsh-risk-launches-bermuda-based-insurance-facility.html) — Marsh; Press release, Bermuda, 18 March 2026: BX1 consolidates capacity from Bermuda insurers Ascot, Markel, Ark and Sompo; US$50 million unified block; minimum attachment from US$10 million; Xsellence excess casualty form; accessed 2026-09-22.
- [Marsh launches US lead umbrella casualty facility](https://www.marsh.com/en/about/media/marsh-launches-umbrella-casualty-facility.html) — Marsh; Press release, New York, 13 July 2026: MLOne consolidates up to US$30 million of capacity into a quota-share lead umbrella block led by Allianz Commercial, which assumes claims handling for the entire quota share; references to BX1 and MX1; accessed 2026-09-22.
- [Marsh Risk launches excess casualty insurance facility for US digital infrastructure projects](https://www.marsh.com/en/about/media/marsh-risk-launches-excess-casualty-insurance-facility-us-digital-infrastructure-projects.html) — Marsh; Press release, New York, 19 February 2026: Nimbus Casualty offers up to US$75 million of capacity with a minimum attachment point of US$25 million, supported by a panel of A+ rated Lloyd’s and London insurers; accessed 2026-09-22.
- [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html) — Marsh; Facility description and “New for 2026” section: over US$200 million of capacity; clients select underwriting by Lloyd’s of London insurers, company markets or Bermuda-based insurers; one underwriting lead and two claims leads per panel; accessed 2026-09-22.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/marsh/reliability.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)