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

Amelia Risk arranges EPL for startups, while Gallagher uses client data to assess EPL exposure and coverage needs for its clients.

Gallagher backs its EPL limit advice with loss databases going back to 1997, including losses over $1 million; Amelia Risk tells early-stage employers when to buy and which claims the policy answers. Neither publishes dollar limits or names an insurer. ^6,¹

What Are the Key Differences Between Amelia Risk and Gallagher Employment Practices Liability Insurance?

First-Policy Timing vs Data-Driven Limit Setting

Both are brokers that place EPL with outside insurers. Amelia Risk’s guidance is about when to buy: around five to ten employees, earlier in California and New York. Gallagher models your exposure from headcount, employee mix and locations, and benchmarks it against EPL and wage-and-hour loss databases it has kept since 1997. Choose Amelia Risk if you are approaching your first five to ten hires; choose Gallagher if you have a larger or multi-state workforce and need a defensible limit. ¹ ⁶

Class-Action Benchmarks vs a Claim-Type Summary

Gallagher’s benchmarks include historical losses above $1 million and separate class actions from single-plaintiff claims such as harassment or wrongful termination. That gives you evidence for how large a limit to buy. Amelia Risk lists the claims its policy answers (harassment, termination, promotion, discrimination, hostile work environment) but offers no benchmarking. ⁶ ¹

No Published Limits From Either

Neither firm publishes EPL dollar limits or names the insurer it would use. You will only see numbers once you apply, so get quotes before you judge either on price. ⁶ ¹

What Should You Confirm in Amelia Risk and Gallagher Employment Practices Liability Insurance Quotes?

Ask Gallagher which benchmark results drove its recommended limit, and hold Amelia Risk’s quote against it. ⁶ ¹
Ask Amelia Risk whether wage-and-hour claims are covered; its summary doesn’t mention them, while Gallagher tracks those losses. ⁶ ¹
Ask both which insurer issues the policy and whether class-action defense costs reduce the limit. ⁶ ¹
If you have fewer than ten employees, ask Gallagher whether its modeling applies at your size. ⁶ ¹

Amelia Risk vs Gallagher Employment Practices Liability Compared

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

Criteria	Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage	Gallagher Employment Practices Liability (EPL) Insurance
Who It’s For	Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page.
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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.
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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page.

Criteria

Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage

Gallagher Employment Practices Liability (EPL) Insurance

Who It’s For

Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^2,^3,^4,⁵Company-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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page.

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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ¹Company-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. ⁶Company-reported. Group-level executive-and-financial-risk practice page.