Beazley vs 
Marsh: How Do They Compare for Employment Practices Liability Insurance?
Beazley insures EPL with limits up to US $20 million; Marsh describes EPLI for employment allegations and includes two policy add-ons.
With Beazley you deal with the insurer directly, including its employment claims staff, and limits run up to $20 million. Marsh is a broker that shops outside insurers, adding its own endorsements for employers with 250 to 4,000 or more than 4,000 employees. 1,2,3,4
What Are the Key Differences Between Beazley and Marsh Employment Practices Liability Insurance?
Direct Insurer vs Broker Shopping the Market
Beazley underwrites EPL itself, standalone or as one of three parts of its ExecuGuard package, and says dedicated employment claims staff handle claims. Marsh places EPL with outside insurers through its financial and professional liability practice, or through Marsh McLennan Agency (MMA) for middle-market clients; its Global Leaders and Leaders Preferred endorsements are Marsh-negotiated add-ons, not a Marsh policy. Choose Beazley if you want one known insurer and its claims team; choose Marsh if you have 250 or more employees and want a broker comparing several insurers. 1 2 3 4
Up to 30,000 Employees vs Endorsements Starting at 250
Beazley considers employers across industries with up to 30,000 employees. Marsh says employers of all sizes face EPL claims, but its endorsements target 250 to 4,000 employees (Leaders Preferred) and more than 4,000 (Global Leaders). Under 250 employees, Beazley’s range still includes you; ask Marsh what it would place instead. 1 3
Wage-and-Hour and Immigration Defense vs Third-Party Claims
Beazley offers defense sublimits for immigration, OSHA and wage-and-hour claims, industry-specific wordings, and a choice between the insurer defending you or reimbursing your own lawyers. Marsh’s list stresses breadth of claimants: past, present or prospective employees and third parties such as customers. Pick based on which exposure worries you more. 1 3
What Should You Confirm in Beazley and Marsh Employment Practices Liability Insurance Quotes?
- Ask Marsh whether Global Leaders, Leaders Preferred or another form applies at your headcount, and which insurer would issue it. 3
- Ask Beazley whether your limit is standalone or shared with D&O and fiduciary in ExecuGuard. 2
- Ask both whether claims from customers and other third parties are covered. 3 1
- Ask whether MMA or Marsh’s financial-lines team would handle your account. 4
Beazley vs Marsh Employment Practices Liability Insurance Compared
Beazley vs Marsh: Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| Who It’s For | Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. 1Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant. | Marsh says employers of all sizes face potential EPL liability, but its named endorsements target companies by size band: over 4,000 employees for the Global Leaders Endorsement and 250 to 4,000 employees for the Leaders Preferred Endorsement. 3Company-reported. Marsh EPL page. |
| Coverage Features | The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. 1Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. 1Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote. | Marsh says EPLI can respond to allegations including discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and violation of an employee's civil rights, brought by past, present or prospective employees or third parties. 3Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form. Marsh names two proprietary EPL endorsements: the Global Leaders Endorsement, built for large and multinational companies with more than 4,000 employees, and the Leaders Preferred Endorsement, for midsize companies with 250 to 4,000 employees. 3Company-reported. Marsh EPL page, Marsh's EPL services section. |
| Role in This Line | Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. 1,2Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy. | Marsh's financial and professional liability practice places employment practices liability insurance (EPLI); MMA also places EPL coverage within its executive and professional liability practice for middle-market clients. 3,4Company-reported. Marsh EPL page and MMA executive and professional liability page. |
