--- title: "Marsh vs USI Insurance Services" description: "Marsh provides global and middle-market brokerage; USI serves U.S. middle-market and technology accounts." canonical: "https://thegeneralaverage.com/compare/marsh-vs-usi" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "marsh-vs-usi" provider-a: "marsh" provider-b: "usi" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/marsh-vs-usi) ## Agent Guide **What this page is:** Side-by-side comparison of Marsh and USI Insurance Services as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Marsh and USI Insurance Services differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Marsh and USI Insurance Services compare? - Which is better for business insurance, Marsh or USI Insurance Services? - Does Marsh or USI Insurance Services offer the coverage lines I need? - What service and claims differences are documented between Marsh and USI Insurance Services? **Key facts:** - Providers compared: Marsh and USI Insurance Services. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 28 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Marsh profile](https://thegeneralaverage.com/insurance-providers/marsh) — provider profile (evidence for this comparison) - [USI Insurance Services profile](https://thegeneralaverage.com/insurance-providers/usi) — provider profile (evidence for this comparison) - [Marsh Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/marsh/commercial-property) — one provider's documented offering for a shared coverage line - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) — one provider's documented offering for a shared coverage line - [Marsh Crime Insurance](https://thegeneralaverage.com/insurance-providers/marsh/crime) — one provider's documented offering for a shared coverage line - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime) — one provider's documented offering for a shared coverage line - [Marsh Cyber Insurance](https://thegeneralaverage.com/insurance-providers/marsh/cyber) — one provider's documented offering for a shared coverage line - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) — one provider's documented offering for a shared coverage line - [Marsh D&O Insurance](https://thegeneralaverage.com/insurance-providers/marsh/directors-officers) — one provider's documented offering for a shared coverage line - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) — one provider's documented offering for a shared coverage line - [Marsh Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/marsh/employee-health-benefits) — one provider's documented offering for a shared coverage line - [USI Insurance Services Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/usi/employee-health-benefits) — one provider's documented offering for a shared coverage line - [Marsh Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/employment-practices) — one provider's documented offering for a shared coverage line - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices) — one provider's documented offering for a shared coverage line - [Marsh Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/fiduciary) — one provider's documented offering for a shared coverage line - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary) — one provider's documented offering for a shared coverage line - [Marsh General Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/general-liability) — one provider's documented offering for a shared coverage line - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) — one provider's documented offering for a shared coverage line - [Marsh Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/marsh/kidnap-ransom) — one provider's documented offering for a shared coverage line - [USI Insurance Services Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/usi/kidnap-ransom) — one provider's documented offering for a shared coverage line - [Marsh Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/management-liability) — one provider's documented offering for a shared coverage line - [USI Insurance Services Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/management-liability) — one provider's documented offering for a shared coverage line - [Marsh Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/marsh/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Marsh Surety Bonds](https://thegeneralaverage.com/insurance-providers/marsh/surety-bonds) — one provider's documented offering for a shared coverage line - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) — one provider's documented offering for a shared coverage line - [Marsh Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/marsh/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Marsh Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/marsh/workers-compensation) — one provider's documented offering for a shared coverage line - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Marsh](https://thegeneralaverage.com/compare/aig-vs-marsh) — sibling comparison - [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) — sibling comparison - [Alliance Risk vs Marsh](https://thegeneralaverage.com/compare/alliance-risk-vs-marsh) — sibling comparison - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) — sibling comparison - [Amelia Risk vs Marsh](https://thegeneralaverage.com/compare/amelia-risk-vs-marsh) — sibling comparison - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) — sibling comparison - [Aon vs Marsh](https://thegeneralaverage.com/compare/aon-vs-marsh) — sibling comparison - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) — sibling comparison - [Armilla vs Marsh](https://thegeneralaverage.com/compare/armilla-vs-marsh) — sibling comparison - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) — sibling comparison - [At-Bay vs Marsh](https://thegeneralaverage.com/compare/at-bay-vs-marsh) — sibling comparison - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) — sibling comparison - [The Baldwin Group vs Marsh](https://thegeneralaverage.com/compare/baldwin-vs-marsh) — sibling comparison - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) — sibling comparison - [Beazley vs Marsh](https://thegeneralaverage.com/compare/beazley-vs-marsh) — sibling comparison - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Marsh](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-marsh) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) — sibling comparison - [biBerk vs Marsh](https://thegeneralaverage.com/compare/biberk-vs-marsh) — sibling comparison - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) — sibling comparison - [CFC vs Marsh](https://thegeneralaverage.com/compare/cfc-vs-marsh) — sibling comparison - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) — sibling comparison - [Chubb vs Marsh](https://thegeneralaverage.com/compare/chubb-vs-marsh) — sibling comparison - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) — sibling comparison - [CNA vs Marsh](https://thegeneralaverage.com/compare/cna-vs-marsh) — sibling comparison - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) — sibling comparison - [Coalition vs Marsh](https://thegeneralaverage.com/compare/coalition-vs-marsh) — sibling comparison - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) — sibling comparison - [Corgi vs Marsh](https://thegeneralaverage.com/compare/corgi-vs-marsh) — sibling comparison - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) — sibling comparison - [Coterie Insurance vs Marsh](https://thegeneralaverage.com/compare/coterie-vs-marsh) — sibling comparison - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) — sibling comparison - [Counterpart vs Marsh](https://thegeneralaverage.com/compare/counterpart-vs-marsh) — sibling comparison - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) — sibling comparison - [Coverdash vs Marsh](https://thegeneralaverage.com/compare/coverdash-vs-marsh) — sibling comparison - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) — sibling comparison - [Cowbell vs Marsh](https://thegeneralaverage.com/compare/cowbell-vs-marsh) — sibling comparison - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) — sibling comparison - [Embroker vs Marsh](https://thegeneralaverage.com/compare/embroker-vs-marsh) — sibling comparison - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) — sibling comparison # Marsh vs USI Insurance Services: How Do They Compare for Business Insurance? Marsh provides global and middle-market brokerage; USI serves U.S. middle-market and technology accounts. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Marsh vs USI Insurance Services Highlights Marsh offers global and middle-market services; USI focuses on U.S. middle-market accounts and technology. [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [34](https://www.usi.com/about-usi "The Power of ONE") [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") ## Current Reliability Scores for Marsh and USI Insurance Services These sourced assessments are shown for context; this comparison does not select a winner. ### Marsh Reliability Scores Role: Broker. Broker Reliability Score: **5.6/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. 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.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/marsh/reliability). ### USI Insurance Services Reliability Scores Role: Broker. Broker Reliability Score: **5.3/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/usi/reliability). ## Marsh Review Scores for 2026 Review Score: 5.8 / 10 from 2 rated sources, equally weighted. 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. - Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com) - Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/marsh/reviews). ## USI Insurance Services Review Scores for 2026 Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/usi/reviews). ## Introduction to the Marsh vs USI Insurance Services Comparison A business opening offices or selling into multiple countries may need international coordination; a U.S.-focused technology firm may fit USI’s middle-market practice. Ask which team will handle renewals and service in each location. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Choose Marsh for international coordination; choose USI for a U.S. middle-market technology account. ## Buyer Takeaways for Marsh vs USI Insurance Services ### 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. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.) - Marsh places cyber coverage and markets large digital-infrastructure property programs; MMA also brokers executive, property, casualty and benefits coverage. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.) ### USI Insurance Services Buyer Takeaways - USI’s Technology practice says it serves software, hardware and related companies from seed stage through IPO. [34](https://www.usi.com/about-usi "The Power of ONE") [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) - USI says insurer commissions are typical and additional contingent compensation may apply; buyers can request details. [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) ## Marsh vs USI Insurance Services Coverage Lines Compared | Coverage Type | Marsh | USI Insurance Services | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance. [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") | Not listed | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Not listed | Listed: USI arranges cargo and transit insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: USI arranges commercial auto insurance. [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance. [26](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") | Listed: USI arranges commercial property insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges crime insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Marsh arranges cyber insurance. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") | Listed: USI arranges cyber insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [47](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Marsh arranges directors and officers liability insurance. [11](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges directors and officers liability insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs. [29](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [22](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [46](https://www.usi.com/employee-benefits "Employee Benefits") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Marsh arranges employment practices liability insurance. [12](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges employment practices liability insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: Marsh arranges equipment breakdown insurance, including for data centers. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Not listed | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges fiduciary liability insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Marsh arranges general liability insurance, including for data centers. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") | Listed: USI arranges general liability insurance. [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges kidnap and ransom insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Marsh arranges management liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [14](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance. [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Not listed | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [45](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Not listed | Listed: USI arranges product liability insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Marsh arranges professional errors and omissions insurance. [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [25](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") | Listed: USI arranges professional errors and omissions insurance. [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Not listed | Listed: USI arranges representations and warranties insurance. [44](https://www.usi.com/property-casualty/private-equity "Private Equity") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [28](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") | Listed: USI arranges contract, commercial and international surety bonds. | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Marsh arranges technology errors and omissions insurance. [4](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [13](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") | Listed: USI arranges technology errors and omissions insurance. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Not listed | Listed: USI arranges umbrella and excess liability. [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance. [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") | Listed: USI arranges workers’ compensation insurance. [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [43](https://www.usi.com/property-casualty/business-services/ "Business Services") | 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. ## Marsh vs USI Insurance Services Research by Coverage Line - [Marsh Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/marsh/commercial-property) - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) - [Marsh Crime Insurance](https://thegeneralaverage.com/insurance-providers/marsh/crime) - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime) - [Marsh Cyber Insurance](https://thegeneralaverage.com/insurance-providers/marsh/cyber) - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) - [Marsh D&O Insurance](https://thegeneralaverage.com/insurance-providers/marsh/directors-officers) - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) - [Marsh Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/marsh/employee-health-benefits) - [USI Insurance Services Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/usi/employee-health-benefits) - [Marsh Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/employment-practices) - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices) - [Marsh Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/fiduciary) - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary) - [Marsh General Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/general-liability) - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) - [Marsh Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/marsh/kidnap-ransom) - [USI Insurance Services Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/usi/kidnap-ransom) - [Marsh Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/marsh/management-liability) - [USI Insurance Services Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/management-liability) - [Marsh Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/marsh/professional-errors-omissions) - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) - [Marsh Surety Bonds](https://thegeneralaverage.com/insurance-providers/marsh/surety-bonds) - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) - [Marsh Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/marsh/technology-errors-omissions) - [USI Insurance Services Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/technology-errors-omissions) - [Marsh Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/marsh/workers-compensation) - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Marsh and USI ### Which Door You Enter Marsh’s Technology Practice and Marsh McLennan Agency middle-market story can be different teams. Ask which entity, production office, and service center would own a software account in California. USI likewise has local offices plus national practices; ask who would staff you rather than assuming a headquarters address is your service team. [22](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [36](https://www.usi.com/about-usi/locations "Find a USI office near you") ### Producer Identity Marsh’s California producer license status is not independently verified on the materials used here. USI’s California number is company-printed on a biography. Neither is a completed California Department of Insurance verification. [32](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "License Number Search") [54](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") ### How You Start Both use forms and banker-style intake rather than consumer checkout. Marsh’s contact-select and business-form paths are still inquiries. USI’s message box is unsecured. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [37](https://www.usi.com/contact-us/ "Contact Us") ### Compensation Guides Marsh says domestic U.S. core broking does not accept contingent commissions, with stated exceptions for employee health and benefits or managing-general-agent/underwriting-manager roles; Marsh McLennan Agency accepts contingent commissions. USI discloses possible contingent and other insurer/intermediary compensation. Request the compensation disclosure and quote-specific exhibits from the actual contracting channel, including contingents and affiliate intermediaries; neither rule establishes better advice. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") ### Claims Marsh describes cyber claims and claims-management support. USI describes office routing and a 2021 claims kit. Ask who is on call for a ransomware notice, and which phone number or portal the policy requires. [9](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [51](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") ## What Should You Confirm in Marsh and USI Insurance Services Quotes? - Marsh versus Marsh McLennan Agency contracting entity versus USI Insurance Services LLC. [23](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [39](https://www.usi.com/privacy/ "Privacy") - **Placement versus risk control:** Marsh Stratus is described as a property-focused digital-infrastructure exchange at launch, with cyber and casualty possible later; USI PrivaSafe and PATH address different placement and risk-control questions. Ask both brokers for proposed insurers/forms and separately for the risk-control work included in the engagement. [5](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [50](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") - Effect of a closed Aon–USI deal on your engagement, if close occurs. [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") - Named insurers; both brokers’ public tech pages leave that to the proposal. [8](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [47](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") ## Marsh vs USI Insurance Services Services Compared What each provider documents about the services you may need. | Criteria | Marsh | USI Insurance Services | | --- | --- | --- | | Business 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. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [2](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)

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. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [19](https://affinity.marsh.com/affinity/licensing.html "Licensing") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [31](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: 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.; verified: 2026-09-16.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [34](https://www.usi.com/about-usi "The Power of ONE") [33](https://www.usi.com/ "Insurance Brokerage and Consulting") [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)

USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") [39](https://www.usi.com/privacy/ "Privacy") [54](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)

On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) | | Customer focus | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [3](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [20](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.) | USI says it has served over 500,000 clients nationwide and positions itself as a middle-market brokerage and consulting firm. Its Technology practice describes clients including software, hardware, networking, semiconductors, or communications companies from early seed stage through IPO. Public pages do not publish a minimum revenue, headcount, or California-startup eligibility screen. [34](https://www.usi.com/about-usi "The Power of ONE") [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [53](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) | | Application process | 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. [15](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [16](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [21](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)

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. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; verified: 2026-09-16.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [42](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [37](https://www.usi.com/contact-us/ "Contact Us") [49](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) | | Fees and compensation | Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. [18](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [17](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [30](https://www.marshmma.com/us/compensation-guide.html "Complete 2026 Agency Compensation Guide | MMA") (Evidence: Company-reported; scope: US compensation guide as of the 2024 copyright PDF retrieved 16 September 2026. MMA’s 2026 guide landing page was reviewed; the MMA PDF itself was not fully extracted. Absence of a public price is not zero cost.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [40](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) | | Claims assistance | Marsh’s Claims Management service describes acting as an advisor among the business, insurer and third-party administrator: preparing, presenting and negotiating claims. Its cyber claims-advocacy page says specialists review claims, support litigation management, develop proof of loss with forensic accountants and advocate with insurers. MMA similarly describes claims advocacy as a carrier liaison on cyber matters and as part of property and casualty service. These are descriptions of assistance. They do not establish that Marsh pays claims, that a claim will be covered, or that recovery amounts cited in marketing were independently checked. [10](https://www.marsh.com/en/services/claims-management.html "Claims Management") [9](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [24](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [27](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") (Evidence: Company-reported; scope: Company-reported advocacy. The cyber page’s “recovering billions” language is not adopted as a verified performance statistic.; verified: 2026-09-16.) | USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. [37](https://www.usi.com/contact-us/ "Contact Us") [51](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [52](https://www.usi.com/natural-disaster-planning "Natural Disaster Planning") [41](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.; verified: 2026-09-16.) | ## Provider Profiles for Marsh and USI Insurance Services - [What Is Marsh?](https://thegeneralaverage.com/insurance-providers/marsh) - [What Is USI Insurance Services?](https://thegeneralaverage.com/insurance-providers/usi) ## Comparisons Related to Marsh vs USI Insurance Services - [AIG vs Marsh](https://thegeneralaverage.com/compare/aig-vs-marsh) - [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) - [Alliance Risk vs Marsh](https://thegeneralaverage.com/compare/alliance-risk-vs-marsh) - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) - [Amelia Risk vs Marsh](https://thegeneralaverage.com/compare/amelia-risk-vs-marsh) - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) - [Aon vs Marsh](https://thegeneralaverage.com/compare/aon-vs-marsh) - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) - [Armilla vs Marsh](https://thegeneralaverage.com/compare/armilla-vs-marsh) - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) - [At-Bay vs Marsh](https://thegeneralaverage.com/compare/at-bay-vs-marsh) - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) - [The Baldwin Group vs Marsh](https://thegeneralaverage.com/compare/baldwin-vs-marsh) - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) - [Beazley vs Marsh](https://thegeneralaverage.com/compare/beazley-vs-marsh) - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) - [Berkshire Hathaway Specialty Insurance vs Marsh](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-marsh) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) - [biBerk vs Marsh](https://thegeneralaverage.com/compare/biberk-vs-marsh) - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) - [CFC vs Marsh](https://thegeneralaverage.com/compare/cfc-vs-marsh) - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) - [Chubb vs Marsh](https://thegeneralaverage.com/compare/chubb-vs-marsh) - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) - [CNA vs Marsh](https://thegeneralaverage.com/compare/cna-vs-marsh) - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) - [Coalition vs Marsh](https://thegeneralaverage.com/compare/coalition-vs-marsh) - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) - [Corgi vs Marsh](https://thegeneralaverage.com/compare/corgi-vs-marsh) - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) - [Coterie Insurance vs Marsh](https://thegeneralaverage.com/compare/coterie-vs-marsh) - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) - [Counterpart vs Marsh](https://thegeneralaverage.com/compare/counterpart-vs-marsh) - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) - [Coverdash vs Marsh](https://thegeneralaverage.com/compare/coverdash-vs-marsh) - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) - [Cowbell vs Marsh](https://thegeneralaverage.com/compare/cowbell-vs-marsh) - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) - [Embroker vs Marsh](https://thegeneralaverage.com/compare/embroker-vs-marsh) - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) ## Sources for Marsh vs USI Insurance Services ### [Marsh Official Website](https://www.marsh.com/en/home.html) 1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 2. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). 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](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16. 4. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). 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](https://www.marsh.com/en/industries/technology/expertise/stratus.html). 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](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. Accessed 2026-09-16. 7. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ. Accessed 2026-09-16. 8. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16. 9. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16. 10. [Claims Management](https://www.marsh.com/en/services/claims-management.html). 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)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16. 14. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL. Accessed 2026-09-16. 15. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). 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](https://www.marsh.com/en/contact-us/contact-select/business-form.html). 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](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). 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](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16. 19. [Licensing](https://affinity.marsh.com/affinity/licensing.html). 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)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 21. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16. 22. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). 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](https://www.marshmma.com/us/services/business-insurance.html). 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](https://www.marshmma.com/us/solutions/cyber.html). 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](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). 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](https://www.marshmma.com/us/solutions/property.html). 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](https://www.marshmma.com/us/solutions/casualty.html). 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](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16. 29. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). 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](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for the 2026 MMA Compensation Guide download; premium-finance disclosure. Accessed 2026-09-16. 31. [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; 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](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public license number search; no license-detail record returned for 437153. Accessed 2026-09-16. ### [USI Insurance Services Official Website](https://www.usi.com) 33. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16. 34. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 35. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16. 36. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16. 37. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16. 38. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16. 39. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16. 40. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 41. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16. 42. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 43. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16. 44. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16. 45. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16. 46. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16. 47. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16. 48. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16. 49. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16. 50. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16. 51. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16. 52. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16. 53. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16. 54. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16. Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/marsh-vs-usi.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://thegeneralaverage.com/llms.txt)