Aon vs The Hartford: How Do They Compare for Employment Practices Liability Insurance?

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. ³Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ⁷Company-reported. EPLI product page as read 2026-09-23.

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. ³Not 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.

The Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. ⁷Company-reported. EPLI product page footnote as read 2026-09-23.

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. ³Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. ⁷Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).

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. ³Company-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.

The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ⁷Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ³Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. ⁷Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.

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. ³Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. ⁷Company-reported. EPLI product page as read 2026-09-23.