Amelia Risk vs Aon: How Do They Compare for Employment Practices Liability Insurance?

Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ⁴Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Aon presents Employment Practices Liability as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. ¹¹Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

The reviewed pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. ⁴Not publicly disclosed. EPL product page, checked 23 September 2026.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ¹¹Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ⁴Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.

Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. ¹¹Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ⁴Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.

Aon describes EPL as addressing specialized liability risks arising from actual or alleged workplace wrongdoing and says it provides customized coverage solutions for professional-services firms. This does not establish any specific policy grant. ¹¹Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

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The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ¹¹Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. ¹¹Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. ⁴Not found in reviewed sources. EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific.

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