The Baldwin Group vs Gallagher: How Do They Compare for Employment Practices Liability Insurance?

The source describes The Baldwin Group’s brokerage or advisory role for Employment Practices Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

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. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

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The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Baldwin lists professional-services firms and real-estate organizations among audiences whose coverage strategies may include employment-practices liability. The pages do not publish an eligibility schedule for an individual employer. ^3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

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. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

Baldwin lists employment-practices liability as a coverage option in its professional-services and real-estate risk programs. It does not describe covered employment acts, third-party claims, limits or exclusions for a particular policy. ^3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ⁷Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Baldwin describes risk assessment, tailored coverage strategy and claims advocacy for the named business audiences. These broker services do not determine an insurer’s claim decision. ^3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.

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. ⁷Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.