Marsh vs WTW: How Do They Compare for Employment Practices Liability Insurance?

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. ^5,6Company-reported. Marsh EPL page and MMA executive and professional liability page.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹²Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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. ^5,6Not publicly disclosed. Marsh EPL page and MMA executive and professional liability page as read on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific employment practices placement. ^12,11Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ⁵Company-reported. Marsh EPL page.

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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. ⁵Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form.

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. ⁵Company-reported. Marsh EPL page, Marsh's EPL services section.

WTW's FY2024 annual report lists employment-practices liability insurance among its FINEX solutions. ¹¹Company-reported. Historical group-level service description only; current U.S. placement, insurer, policy wording, and buyer eligibility are not established.

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The reviewed sources do not state a buyer-specific employment practices limit, retention, or deductible. ^12,11Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹²Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹²Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.