--- title: "Marsh McLennan Agency vs TechInsurance: Employment Practices Liability Insurance" description: "Marsh McLennan Agency names discrimination, harassment, and equal-opportunity claims with defense costs and damages, without describing a claims-made trigger on its reviewed page; TechInsurance says EPLI can stand alone or sit in a management-liability bundle and identifies discrimination, harassment, wrongful termination, benefit-handling, contract, and privacy claims; it describes the policy as typically claims-made." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "marsh-mclennan-agency-vs-techinsurance" provider-a: "marsh-mclennan-agency" provider-b: "techinsurance" coverage-line: "employment-practices" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and TechInsurance 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 Marsh McLennan Agency versus TechInsurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh McLennan Agency vs TechInsurance for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Marsh McLennan Agency or TechInsurance? - What does Marsh McLennan Agency or TechInsurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Marsh McLennan Agency or TechInsurance? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Marsh McLennan Agency and TechInsurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Marsh McLennan Agency vs TechInsurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [Marsh McLennan Agency vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Aon vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs TechInsurance: How Do They Compare for Employment Practices Liability Insurance? Marsh McLennan Agency names discrimination, harassment, and equal-opportunity claims with defense costs and damages, without describing a claims-made trigger on its reviewed page; TechInsurance says EPLI can stand alone or sit in a management-liability bundle and identifies discrimination, harassment, wrongful termination, benefit-handling, contract, and privacy claims; it describes the policy as typically claims-made. ## Research Scope and Use Use this comparison to evaluate Marsh McLennan Agency and TechInsurance 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 McLennan Agency names discrimination, harassment, and equal-opportunity claims with defense costs and damages, without describing a claims-made trigger on its reviewed page; TechInsurance says EPLI can stand alone or sit in a management-liability bundle and identifies discrimination, harassment, wrongful termination, benefit-handling, contract, and privacy claims; it describes the policy as typically claims-made. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") ## What Is Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## What Is TechInsurance? TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Is Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [8](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [9](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [10](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Published EPL Scope and Advice TechInsurance says EPLI can stand alone or sit in a management-liability bundle and identifies discrimination, harassment, wrongful termination, benefit-handling, contract, and privacy claims; it describes the policy as typically claims-made. Marsh McLennan Agency names discrimination, harassment, and equal-opportunity claims with defense costs and damages, without describing a claims-made trigger on its reviewed page. That trigger can make reporting dates and continuity important, so compare retroactive dates and reporting provisions in the actual forms. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Placement and Buyer Questions TechInsurance publishes an online short application and a median monthly premium of $257, while Marsh McLennan Agency directs prospective buyers to an adviser. The figure is a reported market statistic, not a quote for this company; ask both routes for comparable limits and deductibles before comparing price or timing. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask TechInsurance to quote the needed limit and deductible and confirm the claims-made retroactive date and reporting window. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") - Ask Marsh McLennan Agency whether an online application is available for this risk and request the same limit and deductible basis. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## Offering Details | Criteria | Marsh McLennan Agency employment practices (official overview) | TechInsurance Employment Practices Liability Insurance (EPLI) | | --- | --- | --- | | Role in This Line | Marsh McLennan Agency describes arranging employment practices for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for an EPLI policy. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) | | Who It’s For | Employers and organizations seeking executive liability solutions; claim and policy conditions remain form-specific. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Why do I need employment practices liability insurance? section..) | | Coverage Features | The cited product page describes EPL for employment-related claims such as discrimination, harassment, or failure to provide equal employment opportunity, including described defense costs and damages. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page; general policy description, not a specific policy form..) | | Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table..) | | How to Apply | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. [7](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | ## Full Comparison - [Marsh McLennan Agency vs TechInsurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance): 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. - [Marsh McLennan Agency vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/commercial-auto) - [Marsh McLennan Agency vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/commercial-property) - [Marsh McLennan Agency vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/professional-errors-omissions) - [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices) - [AIG vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-techinsurance/employment-practices) - [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices) - [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices) - [Aon vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/employment-practices) - [Aon vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-techinsurance/employment-practices) ## Sources ### Marsh McLennan Agency 1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 3. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Employment Practices Liability section; example employment claims, defense costs, and damages.. Accessed 2026-09-30. ### TechInsurance 4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions?. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 8. [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. 9. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 10. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Marsh McLennan Agency Reviews Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## TechInsurance Reviews Review Score: 9.1 / 10 from 2 rated sources, equally weighted. TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-techinsurance/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)