---
title: "Lockton vs Marsh: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-marsh/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-marsh"
provider-a: "lockton"
provider-b: "marsh"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and Marsh for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Lockton versus Marsh. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Marsh for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Lockton or Marsh?
- What does Lockton or Marsh publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Lockton and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 through proprietary endorsements sized for 250 to 4,000 and 4,000-plus employees; Lockton designs EPL programs for any employer and offers standalone wage-and-hour cover, since EPL usually excludes it.

## Lockton vs Marsh Employment Practices Liability Insurance Summary

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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Marsh how wage-and-hour claims are handled on its placement. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Get the insurer’s name from both. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](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 prepares before a claim, and who handles claims on a Marsh placement. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")

## Lockton vs Marsh Employment Practices Liability Insurance Compared

| 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. [1](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. [2](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. [1](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. [2](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. [2](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..) |
| 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. [1](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. [2](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](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..) |

## About Lockton and Marsh and Employment Practices Liability Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Lockton vs Marsh Employment Practices Liability

- [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): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)
- [Marsh Employment Practices Liability Insurance](https://spot.insure/insurance-providers/marsh/employment-practices)

## Sources for Lockton vs Marsh Employment Practices Liability Insurance

### Sources About Lockton

1. [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.

### Sources About Marsh

2. [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.
3. [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.

Updated 2026-09-25. 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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