Marsh MMA

Aviation Insurance and Risk Management Improve Profitability and Compliance Firms with aviation exposures in the U.S. trust Marsh & McLennan Agency to analyze the issues facing their organizations and provide specialized solutions and advice built on experience, industry knowledge, and strong insurer relationships. Our premier staff of aviation insurance and risk management specialists possess a comprehensive knowledge of all aspects of the aviation industry. Unlike most aviation insurance brokers, we gather detailed information on the front end before we ever approach insurers. We make sure that underwriters completely understand the risks, exposures, needs and special circumstances of each individual client. This positions us to negotiate with multiple carriers on behalf of owners and operators to get the right coverage at the best price. With MMA, you gain access to powerful resources, including our industry-leading analytics, our risk consulting expertise, and the specialized k

Trucking Insurance Requires a Partner with Deep Transportation Industry Expertise Marsh & McLennan Agency has specialized in the transportation industry for over 30 years. As an active member of the trucking community, we continually stay current with important issues and regulations. We help clients across the nation, from self-employed owner-operators to some of the largest fleets and logistics companies. We consider ourselves your business partner, not just your trucking insurance agent, and with our specialized services, we strive to help you run your business as effectively and efficiently as possible. To develop a program that works to your advantage, contact MMA to schedule a complimentary trucking insurance consultation. https://www.marshmma.com/offerings/trucking-insurance

Tuition Protection For You And Your Family Who needs tuition protection and why has it become so important? Many parents don’t realize that withdrawals can be highly problematic for students at private schools. Most private schools require parents to pay for partial or full tuition regardless of whether or not a student completes their full term. And tuition costs can be significant, with the average annual cost of private high schools in the US at approximately $15,000 a year, and private colleges at about $50,000 per year. That’s why parents and guardians need tuition insurance – it helps protect the investment parents make in their child’s education. Tuition insurance will pay the school the remaining portion of tuition and fees up to the co-insurance percentage listed on the policy, for all covered causes. Here are some common questions parents ask about tuition insurance programs: How much does tuition protection cost? The premium varies by school. Parents should contact their sch

For parents, Protect My Tuition™ is an investment in your child’s education and protects your contractual obligation to the school. We offer tuition coverage plans that meet the unique needs of your school’s geographic and demographic characteristics to help ensure peace of mind and a steady, prosperous education for every student, regardless of environmental factors. For school administrators, Protect My Tuition™ provides customizable tuition coverage programs to safeguard your bottom line and continue to deliver the quality educational experience your students desire. With the Protect My Tuition™ platform, you will be able to design a plan with varying co-insurance percentages for every peril, and you are not limited to generic percentages. This empowers educational institutions of all shapes and sizes to better protect and anticipate the needs of their students and families. As tuition can represent a substantial investment for most families, protecting it can prove sensible and eff

Who needs tuition insurance, and why has it become so important? Many parents don’t realize that withdrawals can be highly problematic for students at private schools. Most private schools require parents to pay for partial or full tuition regardless of whether or not a student completes their full term. And tuition costs can be significant, with the average annual cost of private high schools in the US at approximately $15,000 a year, and private colleges at about $50,000 per year. That’s why parents and guardians need tuition insurance – it helps protect the investment parents make in their child’s education. Tuition insurance will pay the school the remaining portion of tuition and fees up to the co-insurance percentage listed on the policy, for all covered causes. Here are some common questions parents ask about these programs: How much does tuition insurance coverage cost? The premium varies by school. Parents should contact their school administrators to learn more about their tu

School Risk Prevention We Go Beyond Insurance to Reduce Claims, Enhance Productivity and Improve Health.  In addition to standard lines of school district insurance, our in-house consultants offer safety and loss control consulting; claims management, advocacy and reduction; human resource consulting; health management and wellness consulting; employee benefits; and management liability insurance. https://www.marshmma.com/industries/education/academic-risk-prevention-services

Insurance That Will Actually Protect Your Bike Shop Many bike shop owners are insured by a modified Business Owners Policy (BOP). Unfortunately, the protections these provide often come up short when weighed against your real risks.  MMA’s bike shop-specific coverage delivers coverage for the risks that you’re likely to actually face, often for no more (or even less) than you’re paying now. We also offer all standard lines: property insurance, liability insurance, health insurance, dental insurance, accident insurance, etc.  More importantly though, we’ll help it all make sense to you and explain the pros and cons of various options. E-Bike Retailers Trust us to help you navigate the insurance and risks associated with this new and growing segment. MMA’s bike shop insurance specialists work with a number of e-bike retailers. We understand how the growth in segment may affect your shop and your industry at large.  The insurance side of this is complicated, and many insurers don’t totall

The construction industry is filled with risks. Choosing an insurance and risk management partner shouldn’t be one of them. Marsh & McLennan Agency and its local partner agencies are dedicated to addressing the needs of businesses in the U.S. and around the globe. Drawing on nearly one hundred years of construction industry experience, our professionals seek to understand everything that makes your company’s risk profile unique. Knowing your basic coverage needs and risk appetite combined with the current financial health of your organization allows us to tailor risk management strategies that are optimized specifically for you. Scope MMA’s construction practice delivers value to its clients by working in close partnership to develop smart business solutions designed to proactively manage risk, take advantage of opportunities, and meet emerging needs in an increasingly complex business environment. By facilitating proactive communication between clients and underwriters, maintainin

Coverage for Commercial Drones/ Unmanned Aerial Systems (UAS) We help professionals who fly drones commercially.  Commercially, a number of large businesses are using UASs, which are commonly known as drones, to enhance their services. Any industry that can use aerial imaging is now looking at these lightweight, remote-control devices. The advantages of using this type of technology are numerous: hugely increased flight durations, expeditious deployment, low operating costs, and ultimate agility when flying in dangerous and/or hard to access locations. The insurance issues from drone usage are like the technology itself: new, complex, and rapidly growing. Despite the challenges of this new aviation risk, insurance capacity for drone operations is plentiful. Experts note that with such a rapidly changing technology that is just beginning to get serious regulatory scrutiny, there can be sudden changes to insurance coverage as well. Insurers are still figuring out the new field, and will

Greater Liability Protection for Manufacturers and Suppliers If you produce or manufacture bikes or bicycle-related products, Marsh & McLennan Agency can help deliver the liability protection you need to keep your personal and business operations and finances safe. MMA’s product liability insurance puts you and your needs in the saddle. Due to our industry-leading position, our relationships with leading insurers, our reputation and demonstrated success serving the bicycle industry, we’re able to craft better policies that fit your needs more uniquely. https://www.marshmma.com/industries/bicycle-industry/bicycle-product-suppliers-manufacturers

Small & Mid-Size Employers Very Exposed to the Growing Risk Small and midsize employers still appear to be vulnerable to the risks of cyber-crime and data breaches. And organizations are still not doing enough to protect their data or recover from a breach. But there is good news and a strong indication that these organizations are making efforts.  Those results came from our 2018 Cyber and Data Security Risk Survey.  MMA surveyed a wide range of organizations, geographies, economic sectors, and job functions. More than half the respondents were from the C-suite. What we discovered in analyzing the results of this survey is very similar to what we have found in previous MMA cyber surveys: once an organization takes steps to mitigate the risk of a cyber-attack, they are definitely more confident that they will be able to recognize, respond to and recover from the inevitable cyber-attack. While the majority remains uninsured, the number of those with policies has risen since we began

MMA has a dedicated practice group with the industry knowledge to tailor your risk management program and produce meaningful solutions. Our professionals have the experience to protect the assets of your company and the personal assets of your directors and officers. MMA specializes in providing tailored Executive Risk and Professional Liability insurance solutions to mid-market and risk management clients. Our team conducts in depth negotiations with insurance companies and provides detailed coverage analysis before offering a program that includes superior coverage containing key enhancements and conditions. We have a large number 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.  Corporate governance is here to stay as a dominant demand on directors and executives. Your selection of the most appropriate insurance coverage for di

Employee Benefits Insurance Supports Organizations and Promotes 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. At MMA we present you with employee benefits insurance that offers smart ways to cut costs while still providing quality benefits. In addition to our core services, we have specialists monitoring and analyzing the implications of the Affordable Care Act. Working in conjunction with our compliance and actuarial team, they can help you determine the financial impact on your business and put a plan in place to help your company comply with complex regulations and manage costs. We work with clients every day to answer their complex employee benefits insurance questions and make sure they get the appropriate value and return from their employee benefits insurance programs. To develop a pro

Insurance Analytics and Benchmarking to Improve Data Quality and Manage Risk Those responsible for risk management and insurance procurement understand that insurance analytics and benchmarking provide critical input for optimizing decisions. At Marsh & McLennan Agency, we see it as a powerful tool for a company's senior leadership and decision makers. The broadest definition of insurance analytics and benchmarking is comparing an industry measurement to a standard. This can involve a comparison to a standard set internally or one that is derived from a peer group. Its value ranges from creating a sound starting point through monitoring results, and on toward goal achievement. Selecting the right data and analytical tools fosters a better understanding of an organization's risk, substantiates decision making, leads to innovative solutions and implementation strategies, and helps reduce costs. Drawing data from our extensive Global Benchmarking Portal, actuarial and statisti

Safety and Loss Control Consulting Program Development & Implementation  You know that preventing claims is the best way to lower costs. We’ll analyze your claims history, current policies and procedures including safety measures. From there, we’ll develop a strategy to fix and improve your safety measures and provide employee education and training. After implementing the plan, we’ll track its progress and keep you informed of any needed adjustments, findings and improvements. MMA can also help you create successful disaster and pandemic planning or disaster recovery plans. Often, a basic plan will be enough provided you have solid insurance and risk management programs in place. https://www.marshmma.com/offerings/risk-management/safety-and-loss-prevention-1

Insightful Data for Superior Results As medical costs continue to rise globally, many employers are seeking innovative solutions to better manage their employee benefits spend. Employers have access to more and more data connected to their benefits program. Often this data is received from multiple vendors, reviewed on a retrospective basis, and rarely tells a story of what is really happening. So how can you make planning and analytics for employee health work for you? Marsh & McLennan Agency helps organizations move beyond simply collecting and organizing data. We support knowledge-driven decision making through clinical consultation and an extensive data warehouse. Our perspective, industry knowledge, and real-world experience transform data and analytics into meaningful indicators for future planning. Ready to learn more about Planning and Analytics for Employee Health? Contact MMA to schedule a complimentary consultation. https://www.marshmma.com/offerings/planning-and-analyti

Contractors have three primary areas of insurance risk: workers' compensation, fleet/auto, and property insurance. Insurance for contractors requires a different approach than for many industries, and our programs cover these critical areas in a variety of ways. But our primary concern is helping out clients to prevent claims in the first place, making the business safer and more profitable for everyone. Historical data analysis leads to specific training programs. Using our extensive knowledge of contractor businesses and the risks you face, Marsh & McLennan Agency will analyze your claims history to help you identify where injuries, losses, and claims emanate. We can then help your safety director or other managers create specific training programs for your employees designed to enhance safety and reduce claims. The benefits of the right insurance for contractors go straight to the bottom line. Fewer and less severe claims mean fewer lost days on the job, lower insurance prem

Maintaining health and welfare plan compliance can be challenging for any business. At Marsh & McLennan Agency, we focus on protecting, supporting, and educating our clients on the areas that impact their business. We believe that our comprehensive approach to ACA compliance helps you to run your business more effectively, with less reaction to circumstance, leaving more time for strategy and growth.  Protection and peace of mind are vital to our clients, and MMA works to protect you by proactively assessing your ACA compliance strategy and correcting the areas that need to be addressed before an audit or question arises. Leveraging the resources, knowledge, and experience of our legal team – MMA is able to offer clients hands on support that enables them to understand and easily implement compliance standards that work.  We provide a variety of platforms to educate you in an easy to access, simple and timely way, providing relevant information to you and your staff as legislation

A Qualified Commercial Insurance Broker is Essential to Support Your Business To prevent risk to your organization and protect you from severe harm in the event that something unfortunate happens, a qualified commercial insurance broker is essential. 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 consider us as part of your team. Because your business is unique, we research your organization, industry, market, and people to uncover your risks and learn about goals. Then we develop a comprehensive solution that protects your firm, your assets, and your employees. We work with a wide variety of carriers, so we are always able to find the right match no matter what your needs are. Risk prevention services support your insurance coverage by addressing the causes of risk at its roots.

MMA Environmental helps organizations identify, quantify, manage and mitigate complex environmental risks. We specialize in eliminating or minimizing environmental risks by delivering a uniquely integrated mix of environmental consulting, risk management and risk transfer. Our professionals have over 30 years of experience in regulatory, scientific and technical matters, and support our colleagues at Marsh and MMA with environmental insurance policy design and placement. https://www.marshmma.com/offerings/risk-management/mma-environmental

Health Management Consulting Improves Efficiency, Retention, and the Bottom Line At Marsh & McLennan Agency we have developed and implemented comprehensive health management consulting programs for many 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 must implement customized benefits and wellness programs to strategically impact health care costs as well as 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." We’re well versed in the HIPAA guidelines and have benefit attorneys who act as resources where needed regarding both federal and state law. We have many ideas on how to