Amelia Risk vs Coalition Employment Practices Liability Insurance

Amelia Risk places EPL without a named carrier; Coalition distributes Executive Risks EPL through brokers on Zurich admitted paper or surplus markets.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. ^9,^10,^11,¹²

Read the Coalition profile

What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. ¹⁴

Read the full coverage guide

Key Differences in Employment Practices Liability Insurance

Distribution and Paper

Amelia Risk places EPL with unnamed underwriters, wholesale brokers and carrier partners. Coalition designs and distributes EPL inside Executive Risks, sold only through appointed brokers; admitted Executive Risks is offered on behalf of Zurich American Insurance Company (NAIC 16535), and Coalition Insurance Solutions, Inc. also places the suite with unaffiliated insurers on a non-admitted basis. ⁴ ¹² ¹³

Eligibility Windows

Amelia Risk lists EPL among policies for startups, technology, CPG and consumer-product companies and times purchase around five to ten employees. Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees and up to $500 million in plan assets. ⁵ ⁴ ¹²

Policyholder Tools

Amelia Risk’s EPL page does not describe HR risk-control services. Coalition says Executive Risks policyholders get a customized risk assessment, an HR hotline, employee training and a handbook builder. Coalition also publishes limits up to $10 million per coverage line; Amelia Risk does not publish EPL limits. ⁴ ¹²

What to Confirm in Employment Practices Liability Insurance Quotes

Ask whether a Coalition quote is Zurich admitted or surplus, and which market Amelia Risk would use instead. ¹³ ⁴
If you exceed 1,000 employees or $500 million in assets, Coalition’s published Executive Risks window may not apply; ask Amelia Risk about other markets. ¹² ⁴
Confirm the EPL limit as a separate number, not only a shared Executive Risks tower. ¹²
Compare Coalition’s handbook builder and hotline with any services on Amelia Risk’s placement. ¹² ⁴

Offering Details

Amelia Risk vs Coalition Employment Practices Liability Insurance: documented features by provider

Criteria	Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage	Coalition Executive Risks — Employment Practices Liability (EPL)
Role in This Line	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.	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹²Company-reported. Executive Risks product page as read on 2026-09-23.
Issuing Insurer	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.	Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. ¹³Company-reported. U.S. Disclaimers page as read on 2026-09-23.
Who It’s For	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.	Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ¹²Company-reported. Executive Risks FAQ as read on 2026-09-23.
Coverage Features	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.	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹²Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.
Limits and Retentions	Not described in the reviewed sources.	Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. ¹²Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.
Risk Services	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.	Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. ¹²Company-reported. Executive Risks page and FAQ as read on 2026-09-23.
How to Apply	Not described in the reviewed sources.	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ¹²Company-reported. Executive Risks product page as read on 2026-09-23.
Claims Support	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.	Not described in the reviewed sources.

Full Comparison

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Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered by an Employment Practices Liability (EPL) Policy?; When should a company buy an Employment Practices Liability (EPL) Policy? Accessed 2026-09-23.
Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.

Coalition

Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

Employment Practices Liability Insurance Guide

Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.