Lockton vs 
Marsh Employment Practices Liability Insurance
Lockton designs EPL programs with typical third-party and wage-and-hour terms; Marsh places EPLI with size-banded Global Leaders and Leaders Preferred endorsements.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
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. 5,6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 11
Key Differences in Employment Practices Liability Insurance
Broker Roles and Named Endorsements
Lockton designs EPL programs as risk advisor and broker and does not underwrite. Marsh’s financial and professional liability practice places EPLI, and Marsh McLennan Agency places EPL for middle-market clients; Marsh names two proprietary endorsements rather than a Marsh-underwritten policy. Neither reviewed page names the issuing insurer. 4 9 10
Headcount Bands Versus “Any Organization”
Marsh says employers of all sizes face EPL liability, but its Global Leaders Endorsement is built for large and multinational companies with more than 4,000 employees and Leaders Preferred for midsize companies with 250 to 4,000. Lockton says any organization that engages people for hire—regardless of size, industry, location, union participation or independent contractors—should consider EPL. Marsh’s documented product hooks are size-banded endorsements; Lockton’s documented hook is a broad buyer statement plus typical policy features. 9 4
Typical Policy Features Versus Allegation Lists
Lockton says a typical EPL policy it places covers defense for employee claims and official investigations, third-party discrimination or harassment, punitive damages where insurable, and immigration-related employment claims, and that it offers standalone wage-and-hour because those claims are typically excluded from EPL. Marsh lists allegations EPLI can answer—discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, civil-rights violations—from past, present or prospective employees or third parties. Compare Lockton’s wage-and-hour carve-out discussion with Marsh’s endorsement names when you read specimen forms. 4 9
What to Confirm in Employment Practices Liability Insurance Quotes
- If you have 250 or more employees, ask Marsh whether Global Leaders or Leaders Preferred applies; ask Lockton what equivalent manuscript wording it would seek. 9 4
- Check wage-and-hour: Lockton describes a typical EPL exclusion and a standalone product; Marsh’s reviewed EPL page does not describe a separate wage-and-hour form. 4 9
- Get the issuing insurer from both placements. 4 9
- Ask how Lockton’s Professional & Executive Risk Claims team would prepare strategy before a claim versus who handles claims on a Marsh-placed endorsement. 4 9
Offering Details
Lockton vs Marsh Employment Practices Liability Insurance: documented features by provider
| Criteria | Lockton Employment Practices Liability (EPL) Insurance Brokerage | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| Role in This Line | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. 4Company-reported. EPL product page as read 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. 9,10Company-reported. Marsh EPL page and MMA executive and professional liability page. |
| Issuing Insurer | The EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. 4Not publicly disclosed. EPL product page checked 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. 9,10Not publicly disclosed. Marsh EPL page and MMA executive and professional liability page as read on 2026-09-23. |
| Who It’s For | Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. 4Company-reported. EPL product page as read 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. 9Company-reported. Marsh EPL page. |
| Coverage Features | Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. 4Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client. | 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. 9Company-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. 9Company-reported. Marsh EPL page, Marsh's EPL services section. |
| Claims Support | Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team from the start of the engagement, which Lockton says is meant to prepare the claims strategy before an EPL claim arises. 4Company-reported. EPL product page as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Lockton vs Marsh Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Employment practices liability (EPL) insurance. Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. 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.
