---
title: "Marsh vs USI Insurance Services: Employment Practices Liability Insurance"
description: "Marsh brings its own EPL endorsements, Leaders Preferred and Global Leaders, to employers with 250 to over 4,000 staff; USI places EPL for small and mid-sized janitorial, staffing, maintenance and printing firms and reviews policies you already have for gaps."
canonical: "https://spot.insure/compare/marsh-vs-usi/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "marsh-vs-usi"
provider-a: "marsh"
provider-b: "usi"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of Marsh and USI Insurance Services 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 versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Marsh and USI Insurance Services.
- 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:**
- [Marsh vs USI Insurance Services](https://spot.insure/compare/marsh-vs-usi) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# Marsh vs USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance?

Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons. USI Insurance Services brokers EPL for small and midsize businesses and offers workplace risk-management services.

Marsh adds its own EPL endorsements for employers with 250 or more staff, while USI brokers EPL for smaller janitorial, staffing and maintenance firms and audits existing policies for gaps.

## Marsh vs USI Insurance Services Employment Practices Liability Insurance Summary

Marsh brings its own EPL endorsements, Leaders Preferred and Global Leaders, to employers with 250 to over 4,000 staff; USI places EPL for small and mid-sized janitorial, staffing, maintenance and printing firms and reviews policies you already have for gaps. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## What Are the Key Differences Between Marsh and USI Insurance Services Employment Practices Liability Insurance?

### 250-Plus Employers vs Small Business-Services Firms

Both are brokers and neither names an EPL insurer. Marsh places EPLI with its own endorsements, Leaders Preferred and Global Leaders, built for employers with 250 to 4,000 and more than 4,000 employees; its MMA arm handles middle-market executive liability. USI lists EPL for building maintenance, repair, janitorial, staffing and printing companies, and its ExecuSafe team reviews existing EPL for small and mid-sized businesses. Choose Marsh if you have 250 or more employees and want broker-negotiated wording; choose USI if you are a smaller janitorial, staffing or maintenance firm or want your current policy audited. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### Published Claim List vs Reviews and Claim Advocacy

Marsh lists the allegations its placements answer: discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights violations, including claims from third parties. USI lists no coverage terms but offers classification and exposure reviews, contract review and claim advocacy. Marsh tells you more about scope before quoting; USI tells you more about the help you get. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## What Should You Confirm in Marsh and USI Insurance Services Employment Practices Liability Insurance Quotes?

- Ask Marsh which endorsement matches your headcount and what it adds to the base form. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")
- If you already have EPL, ask USI for an ExecuSafe gap check and ask Marsh whether its endorsement would close those gaps. [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability")
- Ask both which insurer issues the policy and what limits you get. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Check that USI’s placed form covers third-party claims, which Marsh lists. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [3](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Marsh vs USI Insurance Services Employment Practices Liability Compared

| Criteria | Marsh Employment Practices Liability (EPLI) Insurance | USI Employment Practices Liability Brokerage |
| --- | --- | --- |
| 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. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") (Evidence: Company-reported; scope: Marsh EPL page..) | USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Company description of client segments for each source..) |
| 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. [1](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. [1](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..) | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) |
| 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. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [2](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..) | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. [3](https://www.usi.com/property-casualty/business-services/ "Business Services") [4](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |

## About Marsh and USI Insurance Services

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

## Related Pages for Marsh vs USI Insurance Services

- [Marsh vs USI Insurance Services](https://spot.insure/compare/marsh-vs-usi): 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 Employment Practices Liability Insurance](https://spot.insure/insurance-providers/marsh/employment-practices)
- [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices)

## Sources for Marsh vs USI Insurance Services

### Sources About Marsh

1. [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.
2. [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.

### Sources About USI Insurance Services

3. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23.
4. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. 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.

## Agent and Developer Resources

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