GeneralAverage

Counterpart vs Marsh: How Do They Compare for Business Insurance?

Counterpart describes quote entry whose binding route remains unclear; Marsh describes broker inquiry. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.

Introduction to the Counterpart vs Marsh Comparison

Counterpart and Marsh describe different quote routes: quote entry whose binding route remains unclear and broker inquiry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 32

Buyer Takeaways for Counterpart vs Marsh

Counterpart Buyer Takeaways

  • Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 1,9,10,11,12,13,14,15,16,17Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
  • Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

Marsh Buyer Takeaways

  • Marsh helps companies across industries buy insurance and manage risk, with technology specialists and a U.S./Canada middle-market path through Marsh McLennan Agency. 18,20,35,37Company-reported. Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.
  • Marsh places cyber coverage and markets large digital-infrastructure property programs; MMA also brokers executive, property, casualty and benefits coverage. 25,41,21,22,20Company-reported. Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.

Counterpart vs Marsh Coverage Lines Compared

CoverageCounterpartMarsh
Builders riskNot listedListed 43Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance.
Commercial propertyNot listedListed 43,21,22Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.
CrimeListed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.Listed 42Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance.
Cyber liabilityNot listedListed 25,41Marsh arranges cyber insurance.
Directors and officersListed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.Listed 28,42Marsh arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 46,39,35Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs.
Employment practices liabilityListed 11Named Employment Practices Liability product; examples and policy terms govern.Listed 29,42Marsh arranges employment practices liability insurance.
Equipment breakdownNot listedListed 21Marsh arranges equipment breakdown insurance, including for data centers.
Fidelity bondsNot listedListed 42Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage.
Fiduciary liabilityListed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.Listed 42Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance.
General liabilityListed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.Listed 21Marsh arranges general liability insurance, including for data centers.
Intellectual propertyNot listedListed 42Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance.
Kidnap and ransomNot listedListed 42Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance.
Management liabilityNot listedListed 42,31Marsh arranges management liability insurance.
Media liabilityNot listedListed 42Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance.
Medical malpracticeListed 15Allied healthcare liability for named classes; not universal conventional malpractice.Not listed
Professional errors and omissions (E&O)Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions.Listed 30,42Marsh arranges professional errors and omissions insurance.
Surety bondsNot listedListed 21,45Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds.
Technology errors and omissions (E&O)Not listedListed 21,30Marsh arranges technology errors and omissions insurance.
Workers’ compensationNot listedListed 44Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Counterpart vs Marsh Research by Coverage Line

Open what Counterpart and Marsh each document for one coverage line.

Current Reliability Scores for Counterpart and Marsh

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Counterpart and Marsh Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Counterpart Review Score

-/ 10

Review Score

No reviews found

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.

Read Counterpart reviews

Marsh Review Score

5.8/ 10

Review Score

2 rated sources

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

Read Marsh reviews

Key Differences Between Counterpart and Marsh

Business Fit and Roles

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. 35,34,19Company-reported. US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.

The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 Marsh's published material says: Marsh describes itself as a global insurance broker and risk advisor. 18 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.

The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 35

Getting a Quote

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. 32,33,38Company-reported. Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.

The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 32

Service After Binding

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. 35,34,40,43,44,19Company-reported. Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.

Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 35

What Should You Confirm in Counterpart and Marsh Quotes?

  • Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 35

  • Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 32

  • For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 35

Counterpart vs Marsh Services Compared

What each provider documents about the services you may need

CriteriaCounterpartMarsh
Business role

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. 35,34,19Company-reported. US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. 35,34,36,37,18,48Conflicting sources. Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.

Application process

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. 32,33,38Company-reported. Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. 35,34Company-reported. Compensation guide transparency pledges and market-activity list. Not observed live placements.

Servicing and renewals

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. 35,34,40,43,44,19Company-reported. Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.

Sources for Counterpart vs Marsh

Counterpart Official Website

  1. Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
  2. About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
  3. Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
  4. Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
  5. Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
  6. How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
  7. What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
  8. Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
  9. Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
  10. Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
  11. Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
  12. Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
  13. Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
  14. Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
  15. Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
  16. Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
  17. Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.

Marsh Official Website

  1. Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
  2. Marsh Risk | Global Leader in Insurance Broking and Risk Management. Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16.
  3. Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
  4. Data center insurance and risk management. Marsh; Managing data center risk; Closing the gaps in conventional coverage (property, casualty, technology E&O); Derisking power purchase agreement and interconnection obligations; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-16.
  5. Stratus. Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16.
  6. Fintech Industry Insurance. Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. Accessed 2026-09-16.
  7. Cyber Risk. Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ. Accessed 2026-09-16.
  8. Cyber Insurance. Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16.
  9. Claims Advocacy. Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16.
  10. Claims Management. Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16.
  11. Directors and Officers Liability (D&O). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16.
  12. Employment Practices Liability. Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16.
  13. Professional liability. Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16.
  14. Financial & Professional Liability. Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL. Accessed 2026-09-16.
  15. Contact us inquiries. Marsh; Please select your type of inquiry; sales/RFP card; page metadata legal name Marsh LLC; link to the business inquiry form. Accessed 2026-09-16.
  16. Business inquiries. Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path for certificates, policies and billing. Accessed 2026-09-16.
  17. Leading the Way in Transparency. Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16.
  18. Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
  19. Licensing. Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153. Accessed 2026-09-16.
  20. Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
  21. Marsh McLennan Agency | USA Insurance Leaders. Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16.
  22. Who We Are | MMA. Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16.
  23. Business Insurance. Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16.
  24. Cyber Insurance | MMA. Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16.
  25. Expert Executive and Professional Liability Insurance | MMA. Marsh McLennan Agency; Executive and Professional Liability introduction; Our policies include (D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, kidnap and ransom); D&O, Employment Practices Liability and cyber subsections. Accessed 2026-09-16.
  26. Property Insurance | MMA. Marsh McLennan Agency; Property Insurance introduction; Commercial Property; flood, windstorm, wildfire and earthquake options; Builders’ Risk; claims advocacy; captives and parametric options; Program design expertise. Accessed 2026-09-16.
  27. Comprehensive Casualty Cover | MMA. Marsh McLennan Agency; Casualty program introduction; Claims Management; Casualty Coverage: Workers’ Compensation; specialist contact. Accessed 2026-09-16.
  28. Surety Bonds to Mitigate Company Risk | MMA. Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16.
  29. Employee Health & Benefits Group Insurance | MMA. Marsh McLennan Agency; Opening employee-benefits broker positioning; Our Solutions: benefits consulting and implementation; FAQ on negotiating with carriers and selecting and implementing plans. Accessed 2026-09-16.
  30. Complete 2026 Agency Compensation Guide | MMA. Marsh McLennan Agency; Landing page for the 2026 MMA Compensation Guide download; premium-finance disclosure. Accessed 2026-09-16.
  31. MARSH USA INC. California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Accessed 2026-09-16.
  32. License Number Search. California Department of Insurance; Public license number search; no license-detail record returned for 437153. Accessed 2026-09-16.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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