Chubb vs 
Marsh: How Do They Compare for Employment Practices Liability Insurance?
Chubb's EPL policy includes a built-in defense provision, while Marsh describes workplace-allegation coverage and two policy add-ons.
Chubb sells its own ForeFront EPL to private, nonprofit and healthcare employers, with a duty-to-defend option and cover for independent-contractor claims; Marsh is a broker whose proprietary endorsements are built for employers with 250 or more employees. 1,3
What Are the Key Differences Between Chubb and Marsh Employment Practices Liability Insurance?
Chubb's Own Policy vs Marsh's Endorsements for Large Employers
Chubb underwrites EPL as one of seven ForeFront Portfolio parts for private companies, nonprofits and healthcare organizations, with no headcount bands on its sheet. Marsh is a broker: it places EPLI with insurers it does not name, and adds two proprietary endorsements, Leaders Preferred for 250 to 4,000 employees and Global Leaders for more than 4,000. Choose Marsh if you have 250 or more employees and want its negotiated endorsement terms; smaller private, nonprofit or healthcare employers can go to Chubb through any appointed agent. 1 2 3 4
Who Can Sue You and Early Costs
Chubb's form covers claims by past, present and prospective employees and independent contractors, and pays early-engagement costs before a matter is formally tendered. Marsh lists discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights claims from employees or third parties such as customers. If you rely on contractors, Chubb's sheet is explicit; with Marsh, ask the placed insurer. 1 3
Defense Terms Only Chubb Publishes
Chubb offers a Duty to Defend by Chubb option, where it runs your defense, and covers a written request to toll or waive a statute of limitations. Marsh's EPL pages say nothing about defense terms, so you will see them only on the placed policy. 1 3
What Should You Confirm in Chubb and Marsh Employment Practices Liability Insurance Quotes?
- Ask Marsh which endorsement is on your quote and which insurer issues the policy. 3
- Ask Chubb to confirm contractor claims and early-engagement costs are on your quoted form. 1
- Ask whether each quote covers both third-party claims and contractor claims. 3 1
- Get limits and retentions in writing; neither publishes them. 1 3
Chubb vs Marsh Employment Practices Liability Insurance Compared
Chubb vs Marsh: Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| Coverage Features | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. 1Company-reported. Coverage Highlights list. | 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 | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. 1Company-reported. ForeFront Portfolio EPL product sheet. | 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. |
