Marsh & McLennan Companies, Inc. (MMC) is a global professional services firm providing advice and solutions in the areas of risk, strategy and human capital. The Company is the parent company of a number of risk experts and specialty consultants, including Marsh, the insurance broker, intermediary and risk advisor; Guy Carpenter, the risk and reinsurance specialist; Mercer, the provider of human resource (HR) and related financial advice and services; Oliver Wyman Group, the management consultancy, and Kroll, the risk consulting firm. MMC conducts business through three segments: Risk and Insurance Services, Consulting and Risk Consulting and Technology. During the year ended December 31, 2008, Marsh established the Marsh & McLennan Agency to service small to middle market organizations that tend to be United States-based firms with little overseas insurance needs