Coalition vs 
Marsh Employment Practices Liability Insurance
Coalition’s EPL is capped at 1,000 employees; Marsh’s proprietary EPL endorsements target 250–4,000 employees and firms above 4,000.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 6,7,8,9
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 12
Key Differences in Employment Practices Liability Insurance
Headcount Bands That Do Not Line Up
Coalition’s Executive Risks EPL is available to private and not-for-profit U.S. organizations with up to 1,000 employees. Marsh says employers of all sizes face EPL liability, but its named endorsements target companies by size: more than 4,000 employees for Global Leaders, and 250 to 4,000 for Leaders Preferred. A buyer between 250 and 1,000 employees sits in both Coalition’s cap and Marsh’s midsize endorsement band; a buyer above 4,000 sits only in Marsh’s large-company endorsement as described. 4 10
Product Versus Placement
Coalition designs and distributes EPL through appointed brokers and names Zurich American for admitted Executive Risks. Marsh’s financial and professional liability practice, and MMA for middle-market clients, place EPLI; the reviewed pages do not name an insurer, and the endorsements appear as Marsh-negotiated features rather than a Marsh-underwritten product. 4 5 10 11
Allegation Lists and Extras
Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and civil-rights violations, including claims by third parties. Coalition lists four claim types and includes HR hotline, training and handbook tools, with limits up to $10 million possibly available. Marsh’s reviewed pages do not describe those HR extras. 10 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Marsh which endorsement applies at your headcount and which insurer issues the policy. 10
- If you have more than 1,000 employees, ask whether Coalition’s stated eligibility still applies. 4
- Compare third-party and failure-to-promote grants on Marsh’s list with Coalition’s four named perils. 10 4
- Confirm Coalition’s EPL limit versus the $10 million maximum. 4
Offering Details
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 |
|---|---|---|
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-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. 10,11Company-reported. Marsh EPL page and MMA executive and professional liability page. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | 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. |
| 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. 4Company-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. 10Company-reported. Marsh EPL page. |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 4Company-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. 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. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Not described in the reviewed sources. |
| Risk Services | Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. 4Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Coalition vs Marsh Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Employment Practices Liability. Marsh; Opening positioning; allegation list (discrimination, harassment, wrongful termination, retaliation, and more); What we offer: EPLI initiatives; Marsh's EPL services: Global Leaders Endorsement, Leaders Preferred Endorsement. Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Employment Practices Liability subsection: covers defense costs and damages related to employment-related claims, including discrimination, harassment, failure to provide equal opportunity of employment. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
