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

Gallagher places EPL with outside carriers and uses predictive models and benchmarking to assess exposure. Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons.

Marsh offers named EPL endorsements built for employers with 250 to 4,000 staff and over 4,000, and its wording names third-party and failure-to-promote claims. Gallagher sizes your limit from EPL and wage-and-hour loss data going back to 1997. ^2,¹

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

Size-Banded Endorsements vs Loss-Data Limit Advice

Marsh publishes two proprietary endorsements: Leaders Preferred for 250 to 4,000 employees and Global Leaders for over 4,000, while Marsh McLennan Agency places EPL for middle-market clients. Gallagher names no comparable endorsements; it sizes limits with predictive models, benchmarking and EPL and wage-and-hour loss databases dating to 1997, including losses above $1 million, adjusted for your headcount, employee mix and locations. Choose Marsh if you have 250 or more employees and want a program built for your size band; choose Gallagher if you want your limit backed by claims data for employers like you. ² ³ ¹

Marsh Names More Claim Types

Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights violations, brought by employees, applicants or third parties. Gallagher names harassment and wrongful termination, in class actions and single-plaintiff suits. If customer or vendor claims worry you, Marsh's wording is more explicit. ² ¹

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

Ask Marsh which endorsement applies at your headcount and which insurer issues it; below 250 employees, ask what it places instead. ²
Ask Gallagher how its loss data shaped the limit it recommends. ¹
Ask Gallagher whether third-party and failure-to-promote claims are covered on the placed form. ² ¹

Gallagher vs Marsh Employment Practices Liability Insurance Compared

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

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	Marsh Employment Practices Liability (EPLI) Insurance
Who It’s For	Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. Marsh EPL page.
Coverage Features	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	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. ²Company-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. ²Company-reported. Marsh EPL page, Marsh's EPL services section.
Role in This Line	Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ^2,³Company-reported. Marsh EPL page and MMA executive and professional liability page.

Criteria

Gallagher Employment Practices Liability (EPL) Insurance

Marsh Employment Practices Liability (EPLI) Insurance

Who It’s For

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reported. Group-level executive-and-financial-risk practice page.

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. ²Company-reported. Marsh EPL page.

Coverage Features

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ²Company-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. ²Company-reported. Marsh EPL page, Marsh's EPL services section.

Role in This Line

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reported. Group-level executive-and-financial-risk practice page.

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. ^2,³Company-reported. Marsh EPL page and MMA executive and professional liability page.