Alliance Risk vs Counterpart: How Do They Compare for Employment Practices Liability Insurance?

Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ⁴Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.

Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. ^6,9Company-reported. This does not identify the carrier for an EPL placement.

The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. ⁴Not publicly disclosed. EPLI product page as read on 2026-09-23.

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Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ⁴Company-reported. EPLI product page; eligibility for a particular company depends on underwriting.

Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ⁵Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.

Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. ⁸Company-reported. The source summary does not establish a size, industry, state or applicant acceptance rule.

Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ⁴Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.

Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. ⁸Company-reported. The retained page description does not supply the policy’s complete covered-claim definition or exclusions.

Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. ⁴Company-reported. EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company.

Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. ⁵Company-reported. Management liability page's discussion of bundled D&O, EPLI and fiduciary programs.

Counterpart labels its published EPL limit and retention figures as illustrative examples. ⁸Company-reported. Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer.

Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. ⁴Company-reported. EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee.

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For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. ⁴Company-reported. EPLI product page, Get your EPLI risk review section.

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The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. ⁴Not found in reviewed sources. EPLI product page as read on 2026-09-23.

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