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Business Insurance

Solutions and strategies designed to protect every facet of your business so you can focus on what’s next.

We do our homework

Because your business is unique, we research your organization, industry, market, and people to uncover your risks and learn about your goals. We then develop a comprehensive solution that protects your assets from A to Z. We work with a wide variety of carriers, so we are able to find the right match no matter what your needs are.

We get to the root cause

Risk prevention services support your insurance coverage by addressing the causes of risk at its roots. Some of the services we use to help prevent damaging insurance claims from occurring in the first place include past claims analysis, employee safety and well-being, and loss control programs and techniques.

We have the data

In this challenging marketplace, it’s important to have deep benchmarking and analytics to empower confident decisions. Through unmatched industry peer data, we’ll help you understand purchasing patterns and pricing behaviors. This information can identify meaningful ways to reduce your total cost of risk.

We're on your team

Insurance is complicated—you don’t have to go it alone. We work in partnership with you to develop solutions that meet your needs where you are today and for where you want to go tomorrow.  

2026 Global Risks Report

Published by the World Economic Forum and informed by over 1,300 global experts, this year’s report covers geopolitical shifts, critical infrastructure, AI, technology, climate change, and extreme weather. It also offers practical steps to help you plan ahead.

Business Insurance Trends report

Client-focused Solutions for Your Business

You need insurance solutions that make your life easier. We are consistently striving to bring new and innovative solutions to our clients. With a focus on bringing proprietary solutions that improve efficiencies, reduce costs, and streamline the risk management process, we simplify how you do business.

Analytics & Benchmarking

We select the right data and put our proprietary analytical tools to work to better understand your risk. With this information, you can feel confident in your decision making. We bring you cost-saving risk strategies by shining a light on the facts.

Business Income and Contingent Business Interruption

Make your organization more resilient by creating a program that manages your supply chain and new risks specific to your industry. We can work with you to develop business interruption contingency plans that help protect shareholder value and your revenue stream.

Captives & Alternative Risk

We provide innovation at every turn including bringing you creative risk solutions. With our exclusive captive programs and other alternative risk strategies, the possibilities are virtually limitless.

Casualty

Your casualty insurance program is key to your organization’s financial well-being. We can help you break down every component of your total cost of risk, identifying and prioritizing cost-reduction opportunities to make the most of your casualty program.

Claims Management

The strength of your risk management program is tied directly to aggressive claims advocacy. Our claims professionals work to maximize coverage and identify risk trends to stabilize costs.

Cyber

Your business requires a holistic approach for the greatest possible protection against cyber-attack or breach. With a full view of your organization, we work with you to develop and implement an actionable cyber risk plan.

Environmental

Sometimes overlooked and often excluded from standard property and liability policies, environmental risk is impacting more industries today than in the past. Our team will consult with you to identify, quantify, manage, and transfer environmental risk—so you’re covered.

Executive & Professional Liability

Corporate executives and board members are increasingly facing judgments costing their firms and even threatening their own families’ financial well-being. Our team of experienced executive liability professionals is in your court to help manage your professional liability risk.

International

As you grow your business across the globe, you know all too well that insurance risk doesn’t end at any given international border. Our team of global placement specialists will assist your team with creating and placing an international insurance program that meets your needs no matter where you grow.

Private Equity, Mergers, & Acquisitions

Growing your business often requires rewriting the blueprint to include new investment and new organizational structures. Our private equity professionals analyze investment risks and implement progressive risk management strategies for your business’s success.

Property Insurance

Protect your company from the unexpected with commercial property insurance tailored to your industry and unique risks. Marsh McLennan Agency specializes in helping you identify your company’s possible risk exposures while protecting your bottom line.

Risk Services

Prioritizing your risk management efforts requires the collaboration and insights of an experienced advisor. Our dedicated, in-house risk management team works with you to uncover root-cause behaviors. With knowledge of best practices and regulatory awareness at top of mind, the team supports your organization’s safety and risk prevention measures.

Small Business Insurance

Protect your small business by creating a tailored insurance program that addresses the unique risks you face. We work with you to develop compressive coverage solutions that safeguard your assets, employees, and operations, helping you maintain business continuity and focus growth.

Surety

You have work to do and waiting on a bond should not hold up the job. We provide surety bonds for even the most difficult of risks, often reducing costs—giving your company the freedom to build more, faster. Our tenacious market approach often enable us to solve complicated surety problems on a moment’s notice.

Trade Credit & Political Risk

When your firm operates in the realm of fast-moving global trade, every day presents both opportunity and challenge. Our Trade Credit Practice delivers solutions to help manage the risks of receivables and a wide range of other trade finance issues—regardless of the day’s headlines.

Workers’ Health 360®

Workers' Health 360 is an innovative digital platform that shows a comprehensive overview of employee risk, costs, and trends. This worker data is transformed into actionable insights that will drive potential solutions for an organization.

Business Insurance FAQs

Business insurance can provide coverage for your business premises and contents against loss, damage, or theft. It also offers protection against financial loss due to an insured interruption to your business. Business insurance covers general and professional liability, property insurance, errors and omissions, directors and officers, business interruption, theft, employment practice liability, employee dishonesty, workers’ compensation, and more.

General liability insurance differs from professional liability insurance mostly based on what kind of risk each type covers.

General liability coverage protects businesses against physical accidents, namely injuries to people who are not your employees and property damage to a space that doesn’t belong to you. Professional liability covers workplace accidents and mistakes, including business errors, negligence claims, misrepresentation, and legal defense costs.

Marsh McLennan Agency tailors risk management solutions to meet your organization’s and employees’ needs. We offer directors and officers liability, employment practices liability, and cyber liability insurance designed by our executive and professional liability consultants.

Numerous types of business insurance coverage options are available. Those include general liability, business income, professional liability, workers’ compensation, data breach, commercial insurance, commercial property insurance, and commercial auto insurance. To determine which types of business insurance will benefit you the most, our team analyzes your operations, cost, assets, risks, operations redundancy, adequate limit, liabilities, and loss exposure. We base our suggestions on how comprehensive you want your business insurance policy to be.

The cost of coverage is influenced by a number of variables, including industry, location, loss exposure, and your business property’s value. Different industries face varying types and levels of risk, and your risk management practices can help you control them. Ultimately, your coverage amount and price depend on what you have to protect. Not every insurance policy is the same, but we will help your business find a price that works for your budget and coverage that protects your bottom line.

The importance of business insurance can’t be overstated. An insurance policy can help you bounce back and continue operations faster when your organization faces a serious threat to its physical location or intangible assets. And that’s not all. Business insurance also helps minimize financial loss, increase your business’s credibility, and assist with lawsuits. Claims and lawsuits can be costly—implementing sound risk management practices can help reduce the chance of a lawsuit. And, with fewer claims on your policy, you may pay a lower insurance premium, increasing your company’s financial strength.

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