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LEADING THE WAY IN TRANSPARENCY

As our client, we will always look to treat you fairly and put your interests ahead of our own.

Our clients deserve our finest effort when they engage Marsh to obtain insurance coverage. A key component of this is the placement process — determining appropriate insurers for the types of risk involved and negotiating with those insurers on behalf of our clients to obtain optimal coverage at a competitive price.

Marsh is fully committed to the principle of transparency in our insurance transactions. As part of that commitment, we have created a Compensation Guide for US Clientsa publication that summarizes our key U.S. business segments, describes the types of compensation we might receive, and explores our continued commitment to transparency and managing conflicts of interest.

In addition, we have established a toll-free "Ethics & Compliance" line at 800-381-2105. Please use this number to submit any concerns or complaints you may have related to compensation paid or payable to Marsh by insurers or any other third parties.

Disclosure

Available here is information for clients and prospective clients regarding (1) equity interests of Marsh & McLennan Companies, Inc. and its subsidiaries in insurers and (2) contractual arrangements between Marsh & McLennan Companies, Inc. and its subsidiaries, on the one hand, and insurers and wholesalers, on the other.

Statement Regarding Altering Compensation

Marsh is prohibited by law in most states from altering the amount of compensation received from the insurer based in whole or in part on the sale of this insurance.*

*This disclosure is mandated by New York State Insurance Department Regulation No. 194 (11 NYCRR 30) §30.3(5). We interpret this provision to refer to the various anti-rebating insurance laws throughout the country, such as New York Insurance Law §2324 which prohibits insurance companies, agents and brokers from sharing or rebating commissions as an inducement to making an insurance contract. Marsh makes the above statement based on that interpretation.

Use of Client Information

Data Analytics. Marsh may include, on an anonymous basis, information relating to its clients’ insurance programs in benchmarking, modeling and other analytics. Marsh offers an array of analytics capabilities to clients, insurers and others. For clients, these offerings include benchmarking databases, analytics and modeling tools, surveys and other compilations of information, which are designed to help clients more effectively assess their risks, make more informed decisions and construct insurance programs and other risk mitigation strategies. Marsh or its affiliates may in some instances receive compensation for its analytics offerings from clients, insurers and others. For more information about Marsh’s analytics capabilities and services, review information within Services - Analytics.

MarketConnect. MarketConnect is Marsh’s industry leading proprietary technology suite that allows Marsh to assist insurers in their efforts to improve their performance and create superior solutions for our clients. Within MarketConnect, Market Match is a proactive tool that allows insurers to identify business opportunities in advance of renewals, enabling them to be considered for risks for which they historically had not been considered. In MarketMatch, client names and certain other information are provided to insurers when viewing upcoming renewals that meet their stated risk appetite. MarketConnect is part of Marsh’s insurer consulting offering for which Marsh receives compensation from insurers.

The Foreign Account Tax Compliance Act (FATCA)

The Foreign Account Tax Compliance Act (FATCA) is a US regulation with global implications for Marsh and Marsh’s clients.

To support our clients and other parties that make in-scope premium payments to Marsh, we are making the W-8IMY and W-9 forms of many of our companies available to download at this link.

If we revise any form due to a change in circumstances, the revised form will be uploaded within 30 days of the change. You are encouraged to check this site prior to remitting in-scope FATCA payments to us to ensure you have the most current form available.

Please direct questions and requests for forms not included in this site to fatcainformation@mmc.com.

From time to time, Marsh LLC and Marsh USA Inc. enter into agreements with clients on behalf of themselves and as agent for non-US Marsh affiliates with respect to the services each provides pursuant to those agreements. Click here for a list of Marsh's non-US affiliates.