---
title: "Gallagher vs Marsh Employment Practices Liability Insurance"
description: "Marsh sells size-banded EPL endorsements; Gallagher advises EPL limits from proprietary loss databases."
canonical: "https://spot.insure/compare/gallagher-vs-marsh/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-marsh/employment-practices)

# Gallagher vs Marsh Employment Practices Liability Insurance

Marsh sells size-banded EPL endorsements; Gallagher advises EPL limits from proprietary loss databases.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Marsh for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Marsh places EPLI and offers a Global Leaders Endorsement for companies with more than 4,000 employees and a Leaders Preferred Endorsement for 250 to 4,000 employees. Gallagher places EPL and says it uses EPL and wage-and-hour loss databases, including losses over $1 million, to recommend limits rather than naming headcount-banded endorsements. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [7](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [8](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [9](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [12](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Named Endorsements Versus Internal Databases

Marsh and Gallagher both place EPLI; neither reviewed page names the issuing insurer. Marsh publishes two proprietary endorsements split by headcount: Global Leaders for large and multinational companies with more than 4,000 employees, and Leaders Preferred for midsize companies with 250 to 4,000. Gallagher does not name comparable endorsements; it describes client data, predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases it says it began in 1997, including historical losses exceeding $1 million. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Allegation Lists

Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and civil-rights violations by past, present or prospective employees or third parties. Gallagher describes sexual harassment and wrongful termination, including class actions and single-plaintiff claims, and models exposure by employee count, type, mix and location. MMA also places EPL for middle-market clients inside executive and professional liability. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [11](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Size Story

Marsh says employers of all sizes face EPL liability even while its named endorsements start at 250 employees. Gallagher's modeling language is about how claim size correlates with organization size and diversity, without those two endorsement bands. A company under 250 employees would sit outside Marsh's named endorsement ranges as described. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Marsh which endorsement, if any, applies at your headcount and which insurer issues it. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Ask Gallagher how its $1 million-plus loss sample produced the recommended tower. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Confirm third-party and failure-to-promote grants; Marsh lists them, Gallagher's page does not. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- If you are under 250 employees, ask Marsh what EPLI it places without Leaders Preferred. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## Offering Details

| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Marsh Employment Practices Liability (EPLI) Insurance |
| --- | --- | --- |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [11](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh EPL page and MMA executive and professional liability page..) |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [11](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: Marsh EPL page and MMA executive and professional liability page as read on 2026-09-23..) |
| 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: Marsh EPL page; illustrative policy description, not a specific policy form..)<br><br>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. [10](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: Marsh EPL page, Marsh's EPL services section..) |
| Limits and Retentions | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | Not described in the reviewed sources. |
| Risk Services | Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) | Not described in the reviewed sources. |

## Full Comparison

- [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Gallagher vs Marsh Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-marsh/commercial-property)
- [Gallagher vs Marsh Crime Insurance](https://spot.insure/compare/gallagher-vs-marsh/crime)
- [Gallagher vs Marsh Cyber Insurance](https://spot.insure/compare/gallagher-vs-marsh/cyber)
- [Gallagher vs Marsh D&O Insurance](https://spot.insure/compare/gallagher-vs-marsh/directors-officers)
- [Gallagher vs Marsh Employee Health Benefits](https://spot.insure/compare/gallagher-vs-marsh/employee-health-benefits)
- [Gallagher vs Marsh Fidelity Bonds](https://spot.insure/compare/gallagher-vs-marsh/fidelity-bonds)
- [Gallagher vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-marsh/fiduciary)
- [Gallagher vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-marsh/kidnap-ransom)
- [Gallagher vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-marsh/professional-errors-omissions)
- [Gallagher vs Marsh Surety Bonds](https://spot.insure/compare/gallagher-vs-marsh/surety-bonds)
- [Gallagher vs Marsh Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-marsh/technology-errors-omissions)
- [Gallagher vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-marsh/workers-compensation)
- [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices)
- [Alliance Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/employment-practices)
- [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices)
- [Amelia Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/employment-practices)
- [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices)
- [Beazley vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-marsh/employment-practices)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.

### Marsh

6. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). 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.
7. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). 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.
8. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
9. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
10. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). 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.
11. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). 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

12. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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