Marsh MMA

Protecting the Personal Assets of Directors and Officers The specialized Marsh & McLennan Agency executive risk team conducts extensive negotiations with insurance companies to provide detailed risk and coverage analysis. This empowers us to design more effective directors and officers liability insurance programs for our clients. We offer a vast array of products drawn from our experience and partnerships with trusted insurers. We use our extensive studies of your firm and your industry to design a customized package of products around your firm’s needs.  Directors & Officers Liability Insurance (D&O) covers the costs from claims for alleged wrongful acts by directors or officers. Coverage includes defense costs for civil and criminal actions as well as criminal and regulatory investigations. It offers protection for both directors and officers and the organization. When executives are protected, a company is more protected. Are you prepared? To learn more about your risk

Employee Health and Benefits Support Organizations and Promote Growth With the increasingly complicated compliance landscape intersecting with changes in how employers and employees are defined and engage with each other, leading employers need to provide programs of benefits not just a benefits program.  We work with clients every day to answer their complex group benefits questions and make sure they get the appropriate value and return from their employee health and benefits programs. To develop a program that works to your advantage, contact MMA to schedule a complimentary insurance consultation. https://www.marshmma.com/offerings/employee-health-and-benefits-coverage

Employee Population Health Management Improves Efficiency, Retention, and the Bottom Line At Marsh & McLennan Agency our employee population health management encompasses comprehensive programs for a wide variety of employers. We leverage a multifaceted approach with both short-term and long-term goals, each year progressing in the breadth and scope of the program to differentiate the needs of employee groups within your organization. Employers should implement customized benefits and wellness programs to strategically impact health care costs and improve employee morale, recruitment, and attendance. Our extensive data analysis is critical to identifying focal points for our clients, and our customized employee communications result in employee wellness programs done "with employees" instead of "to employees." Both employers and employees are frustrated by the continual and rapid increase in medical costs. So much cost shifting has occurred that the fundamental

When bonds are required outside the U.S., we have one of the largest global surety practices in the industry with specialists located in major markets throughout the world. We have extensive experience helping Reverse Flow clients who need our resources when dealing with international sureties or foreign based companies with exposure in the U.S. and worldwide. MMA has worked directly with the U.S. Government and several surety markets to establish surety parameters around bonding U.S. contracts abroad. We have established programs for Turkish based contractors and other International companies doing business with the U.S. Government. https://www.marshmma.com/offerings/surety/international-surety-bonds

A Qualified Business Insurance Broker is Essential to Support Your Business To prevent risk to your organization and protect you from severe harm, you need the best business insurance broker you can find. Marsh & McLennan Agency account teams work with you to help ensure proper insurance protection is in place and that you get all the support you need — whether structuring new coverage or managing a claim to resolution. In fact, our goal is to have you think of us as part of your team. MMA performs extensive research regarding your organization, market, and industry to identify your risks and support meaningful goals. We then develop a comprehensive solution that protects your firm, assets, and employees. We work with a wide array of carriers, helping you find the right match, tailored to your specific needs. We also provide innovative services and solutions to help prevent damaging claims from occurring in the first place. Want to learn more? To find the best business insurance br

Navigating Successful Retirement Planning for retirement can be a major challenge. Managing a 401(k) or 403(b) plan for your employees can be an even greater challenge, one that comes with significant fiduciary responsibility and liability. Marsh & McLennan Agency helps you navigate uncertain waters to create a successful 401(k) or 403(b) retirement plan for your organization. With more than $35 billion in assets under advisement, our investment advisory team’s in-depth understanding of retirement strategies, prudent investment options, fiduciary responsibility, employee education and regulatory policies including ERISA Section 404(c) helps you execute a plan to provide optimal value and benefit for your employees. We collaborate with you each step of the way, from an initial assessment of your company’s retirement plan and current needs, to selecting desirable plan features and developing an Investment Policy Statement, and fostering employee participation. Our Retirement Services

ACA Compliance Strategy & Implementation Defense Base Act Insurance is a mandatory coverage for any employees working on any project performed outside the United States on behalf of the United States. This includes military and non-military personnel. Protect your U.S. civilian contractors no matter where their job takes them by working with our team of DBA insurance specialists. Protect your workers with Defense Base Act Insurance coverages you can trust. To learn more, contact MMA to schedule a complimentary consultation. https://www.marshmma.com/offerings/defense-base-act-ins

Errors and Omissions Insurance – Shielding Professionals from Major Liability Professionals in a number of critical industries, from health care and financial services to architecture and engineering, provide essential services that pose major liability risks. To help ensure uninterrupted operations during lawsuits that could otherwise cripple their individual livelihood, or jeopardize their entire organization, errors and omissions insurance provides both coverages and expertise. From legal consultation and representation and logistical support to court fees and settlement assistance, anticipating litigation is a critical component of protecting your career, your reputation, and your colleagues from one or more incidents that would otherwise prove devastating. Understanding where and when these risks can arise and the best way to mitigate them is our job. Let us help you keep doing yours. To learn more about your risk exposure and what our errors and omissions insurance team can do to

Effective Benefits Administration and Communication Protects Both Organizations and Their Employees MMA can help your organization improve benefits administration and communication to meet your changing needs for wellness, recruitment, retention, cost, and more. As an employer, you spend a great deal of money on your employee benefit programs, so it is important to have a strong communication strategy to thoroughly educate your employees on your offerings. Marsh & McLennan Agency’s benefits team is passionate about helping you develop a strategic communications plan that leverages multiple forms of media and targeted content to capture attention and drive engagement for even the most diverse workforce. Year-Round Communications During open enrollment, we will manage the enrollment process with the selected vendors to ensure a seamless and efficient process for your employees. As needed, we will actively manage employee enrollment meetings to present the benefit offerings and answer

Effective Employee Benefits Brokers Are Critical to Compliance and Retention With the increasingly complicated compliance landscape intersecting with changes in how employers and employees engage with each other, leading employers need to provide programs of benefits not just a benefits program. As a preeminent employee benefits broker we present you with smart ways to cut costs while still providing quality benefits. We have specialists monitoring and analyzing the implications of the Affordable Care Act. Working in conjunction with our compliance and actuarial team, they help you determine financial impact and maintain compliance. We work with clients every day to answer their complex group benefits questions and make sure they get the appropriate value and return from their employee benefits brokers. To develop a program that works to your advantage, contact MMA to schedule a complimentary insurance consultation. https://www.marshmma.com/offerings/employee-benefits-brokers

A Safe Harbor Is More Than Just Where You Dock Your Vessel  At Marsh & McLennan Agency, marine insurance isn't just another product or service. Our dedicated Marine Insurance Division is staffed by a team of leading yacht insurance advisors and a support staff offering our clients unparalleled advice and service. With direct access to every major marine and high net worth insurance market, we provide a wide range of coverage solutions for boats and yachts of all sizes, domestically and internationally. Marine insurance and related potential exposures can be complicated, and there is more than just the annual premium to take into consideration when placing your coverage. We differentiate ourselves from the competition by working closely with our underwriters to negotiate the most favorable policy terms and conditions like deductibles, warranties, operating territories and storm evacuation plans. If you don't know all of the "ins-and-outs" of marine insurance, you n

At Marsh & McLennan Agency, clients benefit from local delivery of expert advice and empirical data provided by insurance professionals who understand aviation risks. Writing aviation insurance tends to be more complex than other risks. Without our expertise and knowledge, you could be paying higher premiums for unresponsive coverage. Our dedicated practice team can help you create a strategy to optimize your coverage.  Coverage for Personal Aircraft Pleasure and business aviation insurance is designed for owner-flown general aviation aircrafts used for pleasure and personal incidental business (not-for-hire or compensation). We are pleased to offer a convenient way to purchase hull and liability for personal aircraft or pilot’s liability for non-owned aircraft. Quote Form-Personal Piston Engine Aircraft The online quote has most piston engine standard and experimental aircraft available for immediate coverage; however, if you cannot find your aircraft in the online application or

Is Your Life Insurance Sufficient To Protect Your Family?  Your life insurance is an extremely valuable asset. It is arguably the most important coverage you can secure for your family's financial future. Marsh & McLennan Agency has a dedicated life insurance division that specializes in developing programs geared toward maximizing wealth transfer, replacing lost income and minimizing estate tax liabilities. We focus on providing customized solutions by analyzing your exposure to help ensure the continuity of your legacy for the next generations.   Understanding the use of life insurance for estate planning and asset protection purposes is essential in managing your purchasing decisions and can also address a wide range of business objectives and needs. The right program can alleviate financial disruption caused by the loss of a key employee or be an essential element in funding a buy-sell agreement among partners.   With access to America's top life insurance companies, MM

Our individual health benefits consultants connect our clients with customized individual health policies that best support each person’s stage of life and keep family members protected. Whether you recently experienced a major life change (divorce, job change, graduation) or you find yourself no longer eligible under your spouse’s health plan, we can provide you with options for your health care protection.  We can also assist you with questions about the Affordable Care Act and how it impacts individual medical insurance. In addition, we can help you understand and determine your eligibility for the two types of federal subsidies to help lower health care costs beginning in 2014.  If you are eligible, we can assist you in applying for a subsidy on the Health Insurance Marketplace, also known as the Exchange. https://www.marshmma.com/offerings/private-client-services/individual-health

ACA Compliance Strategy & Implementation Defense Base Act Insurance is a mandatory coverage for any employees working on any project performed outside the United States on behalf of the United States. This includes military and non-military personnel. Protect your U.S. civilian contractors no matter where their job takes them by working with our team of DBA insurance specialists. Protect your workers with Defense Base Act Insurance coverages you can trust. To learn more, contact MMA to schedule a complimentary consultation. https://www.marshmma.com/offerings/defense-base-act-ins

Errors and Omissions Insurance – Shielding Professionals from Major Liability Professionals in a number of critical industries, from health care and financial services to architecture and engineering, provide essential services that pose major liability risks. To help ensure uninterrupted operations during lawsuits that could otherwise cripple their individual livelihood, or jeopardize their entire organization, errors and omissions insurance provides both coverages and expertise. From legal consultation and representation and logistical support to court fees and settlement assistance, anticipating litigation is a critical component of protecting your career, your reputation, and your colleagues from one or more incidents that would otherwise prove devastating. Understanding where and when these risks can arise and the best way to mitigate them is our job. Let us help you keep doing yours. To learn more about your risk exposure and what our errors and omissions insurance team can do to

Effective Benefits Administration and Communication Protects Both Organizations and Their Employees MMA can help your organization improve benefits administration and communication to meet your changing needs for wellness, recruitment, retention, cost, and more. As an employer, you spend a great deal of money on your employee benefit programs, so it is important to have a strong communication strategy to thoroughly educate your employees on your offerings. Marsh & McLennan Agency’s benefits team is passionate about helping you develop a strategic communications plan that leverages multiple forms of media and targeted content to capture attention and drive engagement for even the most diverse workforce. Year-Round Communications During open enrollment, we will manage the enrollment process with the selected vendors to ensure a seamless and efficient process for your employees. As needed, we will actively manage employee enrollment meetings to present the benefit offerings and answer

To Get the Best Voluntary Benefits Agency You Need a Creative and Adaptable Team As benefits costs continue to climb, employers need to partner with the best voluntary benefits agency to help them maintain a cost effective and robust benefit package. When evaluating voluntary benefit products, it is critical that these products have the same level of scrutiny as the core employer-paid benefits. When implemented thoughtfully and strategically, voluntary benefit products give employees access to benefits that add value and complement existing benefit offerings. At Marsh & McLennan Agency, we have a dedicated division focused solely on the development and implementation of Voluntary Benefit programs. This means our clients benefit from our experience and expertise that allows for an enhanced market competitive benefit package. If your organization is looking for the best voluntary benefits agency to help your HR team evaluate voluntary benefit products and identify solutions tailored

Effective Employee Benefits Brokers Are Critical to Compliance and Retention With the increasingly complicated compliance landscape intersecting with changes in how employers and employees engage with each other, leading employers need to provide programs of benefits not just a benefits program. As a preeminent employee benefits broker we present you with smart ways to cut costs while still providing quality benefits. We have specialists monitoring and analyzing the implications of the Affordable Care Act. Working in conjunction with our compliance and actuarial team, they help you determine financial impact and maintain compliance. We work with clients every day to answer their complex group benefits questions and make sure they get the appropriate value and return from their employee benefits brokers. To develop a program that works to your advantage, contact MMA to schedule a complimentary insurance consultation. https://www.marshmma.com/offerings/employee-benefits-brokers

Our individual health benefits consultants connect our clients with customized individual health policies that best support each person’s stage of life and keep family members protected. Whether you recently experienced a major life change (divorce, job change, graduation) or you find yourself no longer eligible under your spouse’s health plan, we can provide you with options for your health care protection.  We can also assist you with questions about the Affordable Care Act and how it impacts individual medical insurance. In addition, we can help you understand and determine your eligibility for the two types of federal subsidies to help lower health care costs beginning in 2014.  If you are eligible, we can assist you in applying for a subsidy on the Health Insurance Marketplace, also known as the Exchange. https://www.marshmma.com/offerings/private-client-services/individual-health

Technology has evolved to be a chief component that keeps your business running smoothly. It is used in all aspects of human capital management ranging from ACA reporting and payroll to onboarding and benefits administration. Being that there’s a greater focus on leveraging technology in the workplace, the process to research, purchase, and implement systems becomes no easy task. Marsh & McLennan Agency provides technology support to strategically address your human capital management goals and to help save you time, money and improve your overall efficiency.  Discovery We take the time to understand your corporate vision through an in-depth discovery process. We’ll review your existing solutions and workflows to identify potential improvements. Based on our findings, we take an agnostic approach with the vendor selection process. Implementation Our team will provide insight and expertise throughout your implementation to ensure a successful launch of the new product. This is done

Marsh & McLennan Agency believes that you deserve peace of mind when it comes to protecting your home. We understand that owning a home is a financial and emotional investment. Our professional insurance advisors will analyze your existing policy and work with you to design a comprehensive program tailored to meet your individual needs.   While the cost of home insurance coverage is always an important consideration when selecting your provider, we believe the coverage terms and conditions, claims-paying reputation and financial stability of the insurance company should also be considered. Our strong relationships with America's preeminent insurance carriers enable us to consistently deliver the finest and most cost-effective solutions for our clients. Let us help you secure the lifestyle you've worked so hard to build. Contact us today for a complimentary quote. https://www.marshmma.com/offerings/private-client-services/homeowners

Protecting Your Personal Wealth As your assets accumulate and your lifestyle changes, you can become a more attractive target for personal liability lawsuits. In today's litigious society, multi-million dollar judgments have become increasingly common, and obtaining the proper amount of liability protection is essential to wealth preservation. Marsh & McLennan Agency offers Group Personal Excess Liability programs that include higher limits of coverage at significant discounts, as compared to the traditional marketplace. Group Personal Excess Liability policies provide an extra layer of bodily injury and uninsured motorist coverage over and above your individual policies. For more information or to see if you are eligible for one of our proprietary programs, contact us today. https://www.marshmma.com/offerings/private-client-services/group-personal-excess-liability