---
title: "Lockton vs Marsh Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-marsh/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton 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

Lockton brokers EPL and describes typical features including third-party claims, punitive damages where insurable, and standalone wage-and-hour. Marsh places EPLI and names proprietary endorsements for firms over 4,000 employees and for those with 250 to 4,000. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](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. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [10](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance")

### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Get the issuing insurer from both placements. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [9](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [10](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 EPL page does not name the insurance carriers Lockton places employment practices liability coverage with. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [10](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 | 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. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [9](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 | 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. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [9](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. [9](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..) |
| 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. [4](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) | Not described in the reviewed sources. |

## Full Comparison

- [Lockton vs Marsh](https://spot.insure/compare/lockton-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.
- [Lockton vs Marsh Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh/commercial-property)
- [Lockton vs Marsh Crime Insurance](https://spot.insure/compare/lockton-vs-marsh/crime)
- [Lockton vs Marsh Cyber Insurance](https://spot.insure/compare/lockton-vs-marsh/cyber)
- [Lockton vs Marsh D&O Insurance](https://spot.insure/compare/lockton-vs-marsh/directors-officers)
- [Lockton vs Marsh Employee Health Benefits](https://spot.insure/compare/lockton-vs-marsh/employee-health-benefits)
- [Lockton vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh/fiduciary)
- [Lockton vs Marsh Surety Bonds](https://spot.insure/compare/lockton-vs-marsh/surety-bonds)
- [Lockton vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-marsh/workers-compensation)
- [Alliance Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/employment-practices)
- [Alliance Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/employment-practices)
- [Amelia Risk vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/employment-practices)
- [Amelia Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/employment-practices)
- [Beazley vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/employment-practices)
- [Beazley vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-marsh/employment-practices)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). 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

5. [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.
6. [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.
7. [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.
8. [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.
9. [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.
10. [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

11. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-marsh/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)