Amelia Risk vs Gallagher 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.

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹¹Company-reported. Group-level executive-and-financial-risk practice page.

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 executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ¹¹Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

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.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹¹Company-reported. Group-level executive-and-financial-risk practice page.

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.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

Not described in the reviewed sources.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ¹¹Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

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.

Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ¹¹Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.

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.