---
title: "Marsh vs Relm Insurance Employment Practices Liability Insurance"
description: "Marsh places EPLI with headcount-banded endorsements; Relm markets EPL and wage-and-hour through brokers for companies of any size, with extra wage-and-hour focus for large employers."
canonical: "https://spot.insure/compare/marsh-vs-relm/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Marsh vs Relm Insurance Employment Practices Liability Insurance

Marsh places EPLI with headcount-banded endorsements; Relm markets EPL and wage-and-hour through brokers for companies of any size, with extra wage-and-hour focus for large employers.

## Research Scope and Use

Use this comparison to evaluate Marsh and Relm Insurance 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’s named EPL endorsements target 250–4,000 and more than 4,000 employees. Relm sells EPL and wage-and-hour through brokers, says any company with employees benefits, and frames wage-and-hour class actions as an issue for large employers. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Placement Practice Versus Relm Market

Marsh’s financial and professional liability practice places EPLI; MMA places EPL for middle-market clients. Relm markets EPL, including wage-and-hour, as coverage brokers can place through Relm. Marsh is the retail (or MMA) broker with named endorsements; Relm is a financial-lines offering other brokers use. Neither reviewed page names the issuing insurer. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Headcount Bands and Wage-and-Hour

Marsh’s Global Leaders Endorsement is for companies with more than 4,000 employees and Leaders Preferred for 250 to 4,000; it says employers of all sizes face EPL liability. Relm says any company with employees benefits from EPL regardless of headcount, highlights fast-growing firms, and describes wage-and-hour coverage specifically for large employers facing individual and class actions. Marsh’s reviewed EPL page does not describe a separate wage-and-hour product. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Allegation Lists

Marsh lists discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights violations, including third-party claimants. Relm lists harassment, discrimination, wrongful termination, breach of contract and emotional distress, plus wage-and-hour issues such as overtime mishandling and misclassification. Relm’s page does not mention Marsh’s negligent-evaluation or civil-rights items; Marsh’s page does not mention Relm’s emotional-distress and breach-of-contract pairing. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- If you have under 250 employees, ask whether Marsh’s named endorsements apply and whether Relm is being offered through your broker. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Put wage-and-hour on the table: Relm describes it as its own coverage; Marsh’s reviewed EPL page does not. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Get the issuing insurer from the Marsh placement and from the Relm broker. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Compare specimen wording for third-party claims, which Marsh lists and Relm’s page does not. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Offering Details

| Criteria | Marsh Employment Practices Liability (EPLI) Insurance | Relm Employment Practices Liability Insurance (EPL/W&H) |
| --- | --- | --- |
| Role in This Line | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [6](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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| Issuing Insurer | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [6](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..) | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| Who It’s For | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: Marsh EPL page..) | Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) |
| Coverage Features | 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. [5](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. [5](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..) | Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page 'What Is Wage and Hour Liability Insurance?' section..) |
| How to Apply | Not described in the reviewed sources. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [9](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [Marsh vs Relm Insurance](https://spot.insure/compare/marsh-vs-relm): 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.
- [Marsh vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/marsh-vs-relm/commercial-property)
- [Marsh vs Relm Insurance Crime Insurance](https://spot.insure/compare/marsh-vs-relm/crime)
- [Marsh vs Relm Insurance Cyber Insurance](https://spot.insure/compare/marsh-vs-relm/cyber)
- [Marsh vs Relm Insurance D&O Insurance](https://spot.insure/compare/marsh-vs-relm/directors-officers)
- [Marsh vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-relm/fiduciary)
- [Marsh vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/marsh-vs-relm/kidnap-ransom)
- [Marsh vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/marsh-vs-relm/media)
- [Marsh vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-relm/professional-errors-omissions)
- [Marsh vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/marsh-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/employment-practices)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Amelia Risk vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Beazley vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-marsh/employment-practices)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)

## Sources

### Marsh

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.

### Relm Insurance

7. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
8. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
9. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability?. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

10. [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.

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- [Markdown page](https://spot.insure/compare/marsh-vs-relm/employment-practices.md)
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