Marsh is an insurance broker and investment advisor that offers a wide range of insurance and risk transfer services. It offers various credit enhancement programs for businesses, public entities, organizations and private clients. The company provides commercial property and casualty coverage to small-business clients. It also offers risk and crisis consulting services. In addition, it offers personal risk management program, which covers homes, automobiles, jewelry and valuable articles. Its additional services include online account access and bill payment options. The company has more than 25,000 employees and operates in over 100 countries. Marsh maintains branch offices in Buffalo, N.Y.; Charleston, W.Va.; Grand Rapids, Mich.; and Tulsa, Okla.