--- title: "Marsh McLennan Agency vs Travelers: Employment Practices Liability Insurance" description: "Marsh McLennan Agency describes arranging EPL through an adviser, with examples including discrimination, harassment, and failure to provide equal employment opportunity; Travelers says it underwrites EPL as part of Management & Professional Liability and offers it alone or with other management-liability coverages." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "marsh-mclennan-agency-vs-travelers" provider-a: "marsh-mclennan-agency" provider-b: "travelers" 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-travelers/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and Travelers 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 Travelers. 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 Travelers for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Marsh McLennan Agency or Travelers? - What does Marsh McLennan Agency or Travelers 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 Travelers? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Marsh McLennan Agency and Travelers. - 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 Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers) — 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) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [Marsh McLennan Agency vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Travelers Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/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 Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/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 Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs Travelers: How Do They Compare for Employment Practices Liability Insurance? Marsh McLennan Agency describes arranging EPL through an adviser, with examples including discrimination, harassment, and failure to provide equal employment opportunity; Travelers says it underwrites EPL as part of Management & Professional Liability and offers it alone or with other management-liability coverages. ## Research Scope and Use Use this comparison to evaluate Marsh McLennan Agency and Travelers 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 describes arranging EPL through an adviser, with examples including discrimination, harassment, and failure to provide equal employment opportunity; Travelers says it underwrites EPL as part of Management & Professional Liability and offers it alone or with other management-liability coverages. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## 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 Travelers Insurance? Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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 ### Coverage Details and Plan Fit Travelers says it underwrites EPL as part of Management & Professional Liability and offers it alone or with other management-liability coverages. Marsh McLennan Agency describes arranging EPL through an adviser, with examples including discrimination, harassment, and failure to provide equal employment opportunity. That difference identifies the roles each reviewed offering documents: Travelers names an underwriting role, while Marsh McLennan Agency describes placement. Travelers says the issuing affiliate can vary, so buyers should identify the insurer on the quote rather than assume a single entity. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Placement and Buyer Questions The two pages overlap on discrimination and harassment, while Travelers additionally names wrongful termination and retaliation and Marsh McLennan Agency’s overview names defense costs and damages. Compare how the quoted definitions treat those allegations and whether defense costs erode the limit. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 Travelers which affiliate will issue the policy, and compare the defense-cost and retaliation terms in the specimen wording. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Ask Marsh McLennan Agency which carrier is proposed and how wrongful termination and retaliation are treated. [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) | Travelers Employment Practices Liability Insurance (EPL) | | --- | --- | --- | | 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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) | | Issuing Insurer | Confirm in your quote. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page video legal footer..) | | 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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Who is this right for?" 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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy..) | | 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..) | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Not found in reviewed sources; scope: Product page video claim scenarios as read on 2026-09-23..) | | 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..) | EPL coverage is bought through a Travelers independent agent. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) | ## Full Comparison - [Marsh McLennan Agency vs Travelers](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers): 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 Travelers Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/cargo-transit) - [Marsh McLennan Agency vs Travelers Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-auto) - [Marsh McLennan Agency vs Travelers Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/commercial-property) - [Marsh McLennan Agency vs Travelers Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/crime) - [Marsh McLennan Agency vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/fiduciary) - [Marsh McLennan Agency vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/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 Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-travelers/employment-practices) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/employment-practices) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) - [Aon vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/employment-practices) - [Aon vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-travelers/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. ### Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. 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). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-travelers/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)