Chubb vs Marsh Employment Practices Liability Insurance

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. ⁴Company-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. ^10,11Company-reported. Marsh EPL page and MMA executive and professional liability page.

Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

The reviewed pages do not name a specific EPLI insurer; the named endorsements appear to be Marsh-negotiated policy features rather than a Marsh-underwritten product. ^10,11Not publicly disclosed. Marsh EPL page and MMA executive and professional liability page as read on 2026-09-23.

Not described in the reviewed sources.

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. ¹⁰Company-reported. Marsh EPL page.

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. ⁴Company-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. ⁴Company-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. ¹⁰Company-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. ¹⁰Company-reported. Marsh EPL page, Marsh's EPL services section.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ⁴Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms.

Not described in the reviewed sources.

Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ⁴Company-reported. Coverage Highlights list; company-described service program.

Not described in the reviewed sources.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ⁵Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.

Not described in the reviewed sources.