Lockton vs 
Marsh: How Do They Compare for Employment Practices Liability Insurance?
Lockton designs EPL programs for hiring organizations and describes typical policies as covering defense costs and damages. Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons.
Marsh places EPL with its own endorsements: Leaders Preferred for 250 to 4,000 employees and Global Leaders above 4,000. Lockton designs EPL programs for employers of any size and offers standalone wage-and-hour cover, since standard EPL typically excludes those claims. 2,1
What Are the Key Differences Between Lockton and Marsh Employment Practices Liability Insurance?
Size-Banded Endorsements vs Programs for Any Employer
Both broker EPL rather than underwrite it, and neither names the insurer. Marsh’s financial and professional liability practice adds its own endorsements: Leaders Preferred for midsize companies with 250 to 4,000 employees, and Global Leaders for large and multinational companies above 4,000; Marsh McLennan Agency handles middle-market clients. Lockton designs EPL programs as a risk advisor and says any organization that hires people, whatever its size, industry, location, union status or contractor use, should consider EPL. Choose Marsh if you have 250 or more employees and want a pre-built endorsement; choose Lockton if you want a program built around your workforce, including wage-and-hour. 2 3 1
Standalone Wage-and-Hour vs a Broad Allegation List
Lockton says the EPL it places typically covers defense for employee claims and official investigations, third-party discrimination or harassment, punitive damages where insurable, and immigration-related claims, and it offers standalone wage-and-hour because EPL usually excludes it. Marsh lists the allegations EPLI can answer, including discrimination, harassment, wrongful termination, retaliation, failure to hire or promote, negligent evaluation and civil-rights violations from employees or third parties, but doesn’t describe a separate wage-and-hour form. If overtime or misclassification suits worry you, Lockton addresses them directly. 1 2
What Should You Confirm in Lockton and Marsh Employment Practices Liability Insurance Quotes?
- If you have 250 or more employees, ask Marsh whether Global Leaders or Leaders Preferred applies, and ask Lockton what comparable custom wording it would seek. 2 1
- Ask Marsh how wage-and-hour claims are handled on its placement. 1 2
- Get the insurer’s name from both. 1 2
- Ask how Lockton’s Professional & Executive Risk Claims team prepares before a claim, and who handles claims on a Marsh placement. 1 2
Lockton vs Marsh Employment Practices Liability Insurance Compared
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 |
|---|---|---|
| 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. 1Company-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. 2Company-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. 1Company-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. 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 | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. 1Company-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. 2,3Company-reported. Marsh EPL page and MMA executive and professional liability page. |
