---
title: "Is Marsh McLennan Agency Legit? Licensing, Carriers and Reliability"
description: "We couldn't publish a Reliability Score for Marsh McLennan Agency because the public evidence conflicts on who is responsible for your policy. Here's what we found and what to ask."
canonical: "https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability"
page-type: "reliability-article"
updated-at: "2026-09-29"
provider: "marsh-mclennan-agency"
content-type: "reliability"
---

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/insurance-providers/marsh-mclennan-agency/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is Marsh McLennan Agency Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is Marsh McLennan Agency Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is Marsh McLennan Agency Legit? Licensing, Carriers and reliable?
- Is Is Marsh McLennan Agency Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is Marsh McLennan Agency Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is Marsh McLennan Agency Legit? Licensing, Carriers and (provider slug `marsh-mclennan-agency`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-29. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is Marsh McLennan Agency Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) — same provider: provider profile: products, coverage lines and sources
- [Is Marsh McLennan Agency Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) — same provider: customer review evidence and Reliability Score
- [Is Marsh McLennan Agency Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/alternatives) — same provider: closest alternative providers

# Is Marsh McLennan Agency Legit? Licensing, Carriers and Reliability

We couldn't publish a Reliability Score for Marsh McLennan Agency because the public evidence conflicts on who is responsible for your policy. Here's what we found and what to ask.

## Marsh McLennan Agency Reliability Scores for 2026

- **Role:** Broker

- **Scope:** Marsh McLennan Agency (MMA), the US middle-market brokerage arm of Marsh, and its legal entity Marsh & McLennan Agency LLC. MMA also operates in Canada; this packet covers the US only. Ratings or complaints for Marsh (global, UK Marsh Commercial) are not used. No numerical Reliability Score is included.

**Assessment subject unavailable**

No numerical score is published. The evidence we found doesn't settle which Marsh McLennan Agency entity will place a given policy, and a proposed name change is still open. Ask for the contracting producer and insurer in your proposal.

- **Broker Reliability Score:** **Assessment subject unavailable**
- **Subject:** Assessment subject unavailable
- **Role:** Broker
- **Scope:** Marsh McLennan Agency (MMA), the US middle-market brokerage arm of Marsh, and its legal entity Marsh & McLennan Agency LLC. MMA also operates in Canada; this packet covers the US only. Ratings or complaints for Marsh (global, UK Marsh Commercial) are not used. No numerical Reliability Score is included.
- **Assessed:** 2026-09-29
- **Review due:** 2026-10-29
- **Factor basis:** No current numerical score because assessment subject attribution is unavailable.

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency)

## What Our Research Found About Marsh McLennan Agency

### Marsh McLennan Agency Identity and authority

Marsh lists Marsh & McLennan Agency LLC as the current US legal entity for Marsh Agency (formerly MMA), with Marsh Agency LLC proposed. The accepted Louisiana record names the current LLC as a Producer Agency for Louisiana. Separately, the provider-published Thompkins Masonic program page names Marsh & McLennan Insurance Agency LLC and prints California license identifier spellings OH18131 and 0H18131 in different page locations. Do not collapse these legal entities, resolve the spelling discrepancy, infer a nationwide license, or assign either disclosure to an unrelated policy placement. [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html), [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency), [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic), [MMA GPEL Program Guide 2024](https://www.marshmma.com/content/dam/marsh-mclennan-agency-us/files/pcs/2024-MMA-GPEL-Program-Guide.pdf), [Who We Are](https://www.marshmma.com/us/mma/about-us.html)

### Marsh McLennan Agency Financial evidence

No MMA-specific balance sheet, capital/liquidity evidence, parent guarantee, or account-specific insurer was established from the reviewed identity and service pages. Marsh parent consolidated figures and Marsh USA LLC evidence are not substituted for MMA or a policy insurer. [Who We Are](https://www.marshmma.com/us/mma/about-us.html), [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html), [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html)

### Marsh McLennan Agency Claims and servicing

Accepted Tampa research lists InsurLink policy/endorsement access, CSR24 certificates, carrier claim contacts and a local consultant route for that office. MMA’s business-interruption page describes advocacy with insurers for complex claim issues. This does not establish claim adjustment, payment, insurer identity, or a general service-level promise. [Tampa, Florida](https://www.marshmma.com/us/locations/florida/tampa.html), [Business Interruption Insurance](https://www.marshmma.com/us/solutions/business-interruption-insurance.html)

### Marsh McLennan Agency Carrier network

MMA says it works with a wide variety of carriers but the reviewed page names no carriers, appointments, placement shares, terms, or account-specific insurer. Carrier strength is not transferred to MMA. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html)

### Marsh McLennan Agency Regulatory conduct

Texas has disciplined Marsh & McLennan Agency LLC for the same problem more than once: filing surplus lines policies late with the state stamping office. A consent order dated 2025-12-18 (No. 2025-9693) imposed $59,825 for late filings in 2024. A consent order dated 2024-10-03 (No. 2024-8885) imposed $28,300 for late filings in 2023. The 2025 order lists earlier orders from 2017, 2018, 2020 and 2024. These are paperwork-timing violations, not findings that claims were mishandled. [Order No. 2025-9693, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259693.pdf), [Order No. 2024-8885, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248885.pdf)

A search also surfaced Alaska Division of Insurance orders (for example D23-03) naming the company. We haven't confirmed their contents, so we report no details. We did not check other states' regulators or the NIPR database, so this is not a complete conduct history. [Alaska Division of Insurance order D23-03](https://commerce.alaska.gov/web/Portals/11/Pub/D23-03.pdf), [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency)

### Marsh McLennan Agency Disclosure and compensation

The legal page distinguishes the current MMA entity from a proposed name; reviewed service pages do not provide buyer-specific compensation or name the issuer for a specific policy. Request the contracting producer, insurer, compensation basis and claims contact in the proposal. [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html), [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html)

### Marsh McLennan Agency Complaints and accountability evidence

BBB's San Diego-area profile for Marsh & McLennan Agency LLC (grade A, accredited) shows four complaints closed in three years, one in the last 12 months. Examples include a commercial vehicle cancellation dispute and one personal-lines claim; the company answered the vehicle complaint. BBB's Dayton and Schaumburg office profiles show A+ and zero complaints in three years. Complaints are unverified customer accounts with no client-count denominator. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints), [Marsh & McLennan Agency LLC (Dayton, OH) BBB profile](https://www.bbb.org/us/oh/dayton/profile/insurance-companies/marsh-mclennan-agency-llc-0322-1004), [Marsh McLennan Agency (Schaumburg, IL) BBB profile](https://www.bbb.org/us/il/schaumburg/profile/commercial-insurance-services/marsh-mclennan-agency-0654-12010426/customer-reviews)

## Marsh McLennan Agency Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| Marsh & McLennan Agency LLC | Louisiana | State license | 499904 | Producer Agency | Louisiana record lists active casualty, accident and health or sickness, life, property, and surplus-lines authorities through 2028-03-31; prior lapse/resume entries are retained in source notes. | [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency) |
| Marsh & McLennan Agency LLC | Texas | State license | 1667605 | Surplus lines license | Stated in Texas Department of Insurance orders dated 2024-10-03 and 2025-12-18 ("holds a surplus lines license issued by the Texas Department of Insurance"). This comes from the orders, not a live TDI license lookup. | [Order No. 2025-9693, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259693.pdf), [Order No. 2024-8885, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248885.pdf) |
| Marsh & McLennan Insurance Agency LLC | California | State license | OH18131 (body) / 0H18131 (footer) | California License / CA Insurance Lic (no more specific class stated) | Provider page says Thompkins Masonic Insurance Program is a company of this entity and says it is licensed in California; same page identifies MMA Programs as a division of Marsh & McLennan Agency LLC. Do not resolve the source spelling conflict or transfer this disclosure to another entity. | [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic), [MMA GPEL Program Guide 2024](https://www.marshmma.com/content/dam/marsh-mclennan-agency-us/files/pcs/2024-MMA-GPEL-Program-Guide.pdf) |

## Regulator Searches for Marsh McLennan Agency

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| Louisiana | verified | Louisiana DOI record lists Marsh & McLennan Agency LLC as an active Producer Agency (499904), authority through 2028-03-31. It also notes an earlier lapse and resume. | [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency) |
| Texas | verified | Two Texas Department of Insurance consent orders (2024-10-03 and 2025-12-18) name Marsh & McLennan Agency LLC as holding surplus lines license 1667605 and record late-filing penalties. | [Order No. 2025-9693, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259693.pdf), [Order No. 2024-8885, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248885.pdf) |
| Alaska | inaccessible | Alaska Division of Insurance orders naming the company were found; the contents of order D23-03 haven't been confirmed. | [Alaska Division of Insurance order D23-03](https://commerce.alaska.gov/web/Portals/11/Pub/D23-03.pdf) |
| California | company-reported | Provider program page names Marsh & McLennan Insurance Agency LLC, a different entity, with license text printed as OH18131 in the body and 0H18131 in the footer. Not a regulator check. | [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic) |
| Other US states and NIPR | not-researched | No other state license or enforcement search was done. That is a limit of this research, not an adverse finding. | [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html) |
| Canada | not-researched | MMA says it operates in the US and Canada. Canadian provincial regulators were not researched. | [Who We Are](https://www.marshmma.com/us/mma/about-us.html) |

## Marsh McLennan Agency Reliability Scores by Factor

### Marsh McLennan Agency Broker Reliability Score

No numerical factor breakdown is published for the Broker Reliability Score.

## What We Couldn’t Confirm About Marsh McLennan Agency

- The contracting producer and issuer for a specific placement, as stated in that buyer’s proposal.
- Completion status by state for proposed Marsh Agency LLC name.
- Issuing insurer/program administrator for each quote.
- MMA-entity financial statements, liquidity or parent support obligation.
- Named carrier appointments, placement shares and line-specific network evidence.
- A complete identity-scoped conduct picture beyond the bounded BBB evidence currently recorded.
- Buyer-specific compensation, service agreement and fee/commission terms.
- Full policy forms, limits, retentions, exclusions and claims administrator.
- Alaska Division of Insurance orders naming the company (such as D23-03) exist, but their amounts and findings haven't been confirmed.
- Only Louisiana and Texas were checked against regulator records. No NIPR/NPN lookup or other state license search was done, and no license status was verified live for Texas.
- MMA operates in Canada too; no Canadian provincial regulator was researched.

## Insurance Terms Related to Marsh McLennan Agency

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

## Sources for Marsh McLennan Agency Reliability Research

- [MMA GPEL Program Guide 2024](https://www.marshmma.com/content/dam/marsh-mclennan-agency-us/files/pcs/2024-MMA-GPEL-Program-Guide.pdf) — Marsh McLennan Agency; 2024 guide, lines 83–85: California d/b/a as Marsh & McLennan Insurance Agency LLC and “CA Insurance Lic: 0H18131.” This is an older personal excess program guide, with 2024–25 policy dates elsewhere in the document; it is not general current commercial placement evidence.; accessed 2026-09-29.
- [Who We Are](https://www.marshmma.com/us/mma/about-us.html) — Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.; accessed 2026-09-29.
- [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints) — Better Business Bureau; Lines 46-66: headquarters/corporate-owned locations; lines 121-130: four complaints in three years, one in prior 12 months, detail may be partial. Visible complaints include commercial truck policy cancellation and personal-lines dog claim; MMA response says insurer awaited lease termination documents.; accessed 2026-09-29.
- [Business Interruption Insurance](https://www.marshmma.com/us/solutions/business-interruption-insurance.html) — Marsh McLennan Agency; Accepted inspection lines 224-226: company says it will advocate with insurers on complex claim issues. No outcomes, adjustment/payment role, or insurer identity established.; accessed 2026-09-28.
- [US and Canada Legal Entities](https://www.marsh.com/en/about/legal-entity-us-ca.html) — Marsh; Accepted inspection lines 528-587: current MMA entity Marsh & McLennan Agency LLC; Marsh Agency LLC proposed; displayed state statuses TBD.; accessed 2026-09-28.
- [Producer/Adjuster Search — producer agency detail](https://www.ldi.la.gov/onlineservices/ProducerAdjusterSearch/Detail.aspx?LicenseNumber=499904&LicenseType=Producer+Agency) — Louisiana Department of Insurance; Accepted inspection lines 7-49 and 53-57: Marsh & McLennan Agency LLC producer agency and named Louisiana authorities through 2028-03-31, including historical lapse/resume entries. Louisiana only; distinct from Marsh USA LLC/NPN 27658.; accessed 2026-09-28.
- [Thompkins Masonic Insurance Program](https://mma.marshmma.com/mmaprograms/thompkins-masonic) — Marsh McLennan Agency / MMA Programs; Provider page, lines 120–127: body says “Thompkins Masonic Insurance Program, a Marsh & McLennan Insurance Agency LLC company, is licensed under California License #OH18131”; line 127 says MMA Programs is a division of Marsh & McLennan Agency LLC. Page footer, line 161, instead prints “d/b/a in California as Marsh & McLennan Insurance Agency LLC; CA Insurance Lic: 0H18131.” The page itself therefore renders the identifier in two different ways.; accessed 2026-09-29.
- [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html) — Marsh McLennan Agency; ‘We do our homework’: research of organization, industry, market and people; says it works with a wide variety of carriers. No carrier appointments, shares, terms, compensation, or buyer-specific insurer named.; accessed 2026-09-29.
- [Tampa, Florida](https://www.marshmma.com/us/locations/florida/tampa.html) — Marsh McLennan Agency; Accepted repaired inspection lines 252-289: InsurLink policy/endorsement access, CSR24 certificates, carrier contacts for claims, consultant contact. Tampa only; does not establish adjusting role.; accessed 2026-09-29.
- [Order No. 2025-9693, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20259693.pdf) — Texas Department of Insurance; Consent order dated 2025-12-18: late surplus-lines filings in 2024, $59,825 penalty; states TX surplus lines license 1667605 and lists prior orders 2017, 2018, 2020, 2024.; accessed 2026-09-29.
- [Order No. 2024-8885, Marsh & McLennan Agency LLC](https://www.tdi.texas.gov/commissioner/disciplinary-orders/documents/20248885.pdf) — Texas Department of Insurance; Consent order dated 2024-10-03: late surplus-lines filings in 2023, $28,300 penalty; license 1667605.; accessed 2026-09-29.
- [Alaska Division of Insurance order D23-03](https://commerce.alaska.gov/web/Portals/11/Pub/D23-03.pdf) — Alaska Division of Insurance; Existence only; contents not verified.; accessed 2026-09-29.
- [Who We Are](https://www.marshmma.com/us/mma/about-us.html) — Marsh McLennan Agency; States 15,000 colleagues, 300+ offices, US and Canada, a business of Marsh; lists claims management as a service.; accessed 2026-09-29.
- [Marsh & McLennan Agency LLC (Dayton, OH) BBB profile](https://www.bbb.org/us/oh/dayton/profile/insurance-companies/marsh-mclennan-agency-llc-0322-1004) — Better Business Bureau; A+, BBB Accredited since 1990, 0 reviews, 0 complaints in 3 years (Dayton office).; accessed 2026-09-29.
- [Marsh McLennan Agency (Schaumburg, IL) BBB profile](https://www.bbb.org/us/il/schaumburg/profile/commercial-insurance-services/marsh-mclennan-agency-0654-12010426/customer-reviews) — Better Business Bureau; A+, not accredited, 0 reviews, 0 complaints in 3 years (Schaumburg office).; accessed 2026-09-29.

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