Coalition vs Marsh: How Do They Compare for Employment Practices Liability Insurance?

Coalition offers EPL within Executive Risks for private and nonprofit organizations, with limits up to $10 million per line. Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons.

Coalition's EPL is for private and non-profit US employers with up to 1,000 staff, with limits up to $10 million and an HR hotline, training and handbook tools. Marsh places EPLI for larger employers, with negotiated endorsements for 250 to 4,000 staff and for more than 4,000. ^1,³

What Are the Key Differences Between Coalition and Marsh Employment Practices Liability Insurance?

Headcount Decides Which One Fits

Coalition's Executive Risks EPL is open to private and not-for-profit US organizations with up to 1,000 employees. Marsh says employers of all sizes face EPL exposure, but its named endorsements target 250 to 4,000 employees (Leaders Preferred) and more than 4,000 (Global Leaders). If you have 250 to 1,000 employees, you can get quotes from both. Choose Coalition if you have up to 1,000 employees and want HR tools built in; choose Marsh if you have more than 1,000 employees or want a broker to negotiate enhanced terms. ¹ ³

A Packaged Product vs Broker-Negotiated Terms

Coalition designs its own EPL product and sells it through appointed brokers. Marsh's financial and professional liability practice, and MMA for middle-market clients, place EPLI with insurers they don't name; the endorsements are terms Marsh negotiates, not a Marsh policy. ¹ ² ³ ⁴

Claims Covered and HR Extras

Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights violations, including third-party claims. Coalition lists four claim types and includes an HR hotline, training and handbook tools, with limits up to $10 million. Marsh doesn't describe comparable HR extras. ³ ¹

What Should You Confirm in Coalition and Marsh Employment Practices Liability Insurance Quotes?

Ask Marsh which endorsement applies at your headcount and which insurer issues the policy. ³
Ask Coalition which insurer issues your policy; its Executive Risks disclosures name Zurich American for the standard (admitted) version. ²
Ask Coalition whether third-party and failure-to-promote claims are covered, since Marsh lists them. ³ ¹
Ask what EPL limit Coalition will actually offer you; $10 million is the maximum. ¹

Coalition vs Marsh Employment Practices Liability Insurance Compared

Coalition vs Marsh: Employment Practices Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Marsh Employment Practices Liability (EPLI) Insurance
Who It’s For	Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	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	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.	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	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	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.

Criteria

Coalition Executive Risks — Employment Practices Liability (EPL)

Marsh Employment Practices Liability (EPLI) Insurance

Who It’s For

Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.

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

Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.

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

Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.

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.