---
title: "Amelia Risk vs Counterpart: Employment Practices Liability Insurance"
description: "Amelia Risk recommends considering EPL at five to ten employees, while Counterpart publishes a dedicated EPL product page with illustrative limits."
canonical: "https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "amelia-risk-vs-counterpart"
provider-a: "amelia-risk"
provider-b: "counterpart"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk and Counterpart 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 Amelia Risk versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs Counterpart for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Amelia Risk or Counterpart?
- What does Amelia Risk or Counterpart publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from Amelia Risk or Counterpart?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Amelia Risk and Counterpart.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Amelia Risk vs Counterpart](https://spot.insure/compare/amelia-risk-vs-counterpart) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices) — sibling comparison (other line, or other pair for this line)

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

Amelia Risk recommends considering EPL at five to ten employees, while Counterpart publishes a dedicated EPL product page with illustrative limits.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Counterpart for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk gives a hiring-stage recommendation and names common employment claims. Counterpart offers a dedicated EPL product page and labels its published limit examples illustrative. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## What Is Amelia Risk?

Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [9](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [13](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [14](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [15](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### Hiring Milestones

Amelia Risk says employers should consider EPL once they reach roughly five to ten employees, and earlier in that range in California or New York. Counterpart publishes a dedicated EPL page but its reviewed claims do not set a headcount threshold. A growing employer can use Amelia’s milestone as a prompt, then ask Counterpart whether its underwriting appetite changes with workforce size or location. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

### Common EPL Allegations

Amelia lists harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims as examples. Counterpart also points to employment-related allegations but labels published limits and retentions illustrative. Compare the actual definitions and any wage-and-hour or contractor wording; the general claim descriptions do not establish how either form treats a specific dispute. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Amelia Risk which carrier and exclusions apply to your state and whether contractors fall within the insured workforce. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)")
- Ask Counterpart for the actual limit, retention, and definitions for the allegations relevant to your hiring practices. [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance")

## Offering Details

| Criteria | Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage | Counterpart Employment Practices Liability |
| --- | --- | --- |
| 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. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy..) | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. [9](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [12](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This does not identify the carrier for an EPL placement..) |
| 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. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not publicly disclosed; scope: EPL product page, checked 23 September 2026..) | Confirm in your quote. |
| Who It’s For | Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. [5](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [6](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [7](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [8](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>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. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement..) | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The source summary does not establish a size, industry, state or applicant acceptance rule..) |
| 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. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Company-reported; scope: EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations..) | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The retained page description does not supply the policy’s complete covered-claim definition or exclusions..) |
| Limits and Retentions | Confirm in your quote. | Counterpart labels its published EPL limit and retention figures as illustrative examples. [11](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer..) |
| 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. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: 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..) | Confirm in your quote. |
| Claims Support | The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. [4](https://ameliarisk.com/insurance-policies/employment-practices-liability-epl/ "Employment Practices Liability (EPL)") (Evidence: Not found in reviewed sources; scope: EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific..) | Confirm in your quote. |

## Full Comparison

- [Amelia Risk vs Counterpart](https://spot.insure/compare/amelia-risk-vs-counterpart): 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.
- [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability)
- [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices)
- [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices)
- [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices)
- [Amelia Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/employment-practices)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). 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.
2. [Our Specialties](https://ameliarisk.com/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.
3. [About Us](https://ameliarisk.com/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.
4. [Employment Practices Liability (EPL)](https://ameliarisk.com/insurance-policies/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.
5. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
6. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
7. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
8. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.

### Counterpart

9. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
10. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
11. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28.
12. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Employment Practices Liability Insurance Guide

13. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
14. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
15. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Amelia Risk Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.

- Google: Google star rating shown 1 (5 stars); 1 reviews. One named Pleasant Hill, California local-agent listing for the exact Amelia Risk Insurance Brokers LLC name; not firmwide or commercial-line-specific. Checked 2026-09-25. [Amelia Risk Insurance Brokers LLC | Local agents in Pleasant Hill, CA](https://agents.libertymutual.com/find-an-agent/state/california/pleasant-hill/amelia-risk-insurance-brokers-llc_4724726398)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/amelia-risk/reviews).

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)