--- title: "Chubb vs Gallagher Employment Practices Liability Insurance" description: "Chubb underwrites ForeFront EPL on Federal Insurance Company paper; Gallagher brokers EPL and advises limits using wage-and-hour loss databases." canonical: "https://spot.insure/compare/chubb-vs-gallagher/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-gallagher/employment-practices) # Chubb vs Gallagher Employment Practices Liability Insurance Chubb underwrites ForeFront EPL on Federal Insurance Company paper; Gallagher brokers EPL and advises limits using wage-and-hour loss databases. ## Research Scope and Use Use this comparison to evaluate Chubb and Gallagher 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 Chubb writes ForeFront EPL, issued by Federal Insurance Company, with ChubbWorks and early-engagement expense. Gallagher’s Executive and Financial Risk practice places EPL with outside carriers and uses predictive models plus EPL and wage-and-hour loss databases, including losses over $1 million, to recommend limits. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What Is Chubb? Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## What Is Gallagher? Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## Key Differences in Employment Practices Liability Insurance ### Who Carries Versus Who Advises Chubb underwrites ForeFront EPL. Gallagher places EPL with outside carriers and advises on limits and program design; it does not underwrite the policy, and its reviewed page does not name the issuing insurer. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### Limit Conversation Chubb’s product sheet does not publish specific policy limits or retentions and only illustrates claim scenarios. Gallagher also withholds published limit and premium ranges, but it says it uses client data, predictive models, benchmarking and contract analysis, and EPL and wage-and-hour loss databases dated to 1997, including historical losses exceeding $1 million, to guide how much limit to buy. Gallagher’s modeling accounts for employee count, mix and location. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### Coverage and Buyers Chubb aims ForeFront EPL at private companies, not-for-profits and healthcare organizations and describes independent-contractor claimants, early-engagement expense, duty-to-defend optionality and ChubbWorks. Gallagher describes EPL as responding to sexual harassment and wrongful termination claims, protecting against class actions and single-plaintiff claims. Chubb names Federal Insurance Company; Gallagher’s page does not. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### How You Access Chubb EPL is placed through an appointed agent or broker as part of ForeFront. Gallagher’s documented EPL work sits in its Executive and Financial Risk practice. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Gallagher whether Chubb ForeFront is among markets it will shop. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") - Compare Gallagher’s modeled limit with the unpublished Chubb ForeFront EPL figure on a quote. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") - Confirm independent-contractor and wage-and-hour treatment on both. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Get Federal Insurance Company named on a Chubb quote versus Gallagher’s chosen carrier. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Offering Details | Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Gallagher Employment Practices Liability (EPL) Insurance | | --- | --- | --- | | Role in This Line | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: ForeFront Portfolio EPL product sheet..) | 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. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | | Issuing Insurer | Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy..) | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | | Who It’s For | Not described in the reviewed sources. | 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. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | | Coverage Features | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)

Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list..) | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | | Limits and Retentions | The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Not found in reviewed sources; scope: Claims Scenarios section; illustrative examples, not policy terms..) | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | | Risk Services | Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; company-described service program..) | 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. [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) | | How to Apply | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally..) | Not described in the reviewed sources. | ## Full Comparison - [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [Chubb vs Gallagher Business Owner’s Policy](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy) - [Chubb vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-auto) - [Chubb vs Gallagher Commercial Property Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-property) - [Chubb vs Gallagher Crime Insurance](https://spot.insure/compare/chubb-vs-gallagher/crime) - [Chubb vs Gallagher Cyber Insurance](https://spot.insure/compare/chubb-vs-gallagher/cyber) - [Chubb vs Gallagher D&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/directors-officers) - [Chubb vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/fiduciary) - [Chubb vs Gallagher General Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/general-liability) - [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom) - [Chubb vs Gallagher Product Recall Insurance](https://spot.insure/compare/chubb-vs-gallagher/product-recall) - [Chubb vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-gallagher/professional-errors-omissions) - [Chubb vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-gallagher/representations-warranties) - [Chubb vs Gallagher Surety Bonds](https://spot.insure/compare/chubb-vs-gallagher/surety-bonds) - [Chubb vs Gallagher Tech E&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions) - [Chubb vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/umbrella-excess) - [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation) - [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Amelia Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices) - [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices) ## Sources ### Chubb 1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 4. [The ForeFront Portfolio — Employment Practices Liability Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf). Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23. 5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. Accessed 2026-09-23. ### Gallagher 6. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16. 7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16. 8. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23. 9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 10. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. ### Employment Practices Liability Insurance Guide 11. [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. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/chubb-vs-gallagher/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)