Coalition vs 
Counterpart: How Do They Compare for Employment Practices Liability Insurance?
What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 1,2,3,4
Read the Coalition Employment Practices Liability Insurance page
What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 7,8
Read the Counterpart Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 11,12,13
Key Differences in Employment Practices Liability Insurance
Risk Services
Coalition lists wrongful termination, discrimination, harassment, and retaliation as EPL claims, and says its Executive Risks package includes an HR hotline, employee training, handbook builder, and customized risk assessment. Counterpart identifies employment-related allegations but its reviewed page does not detail comparable HR tools. If preventive support matters, ask what services are available with each quote. 5 9
Limit Availability
Coalition says limits up to $10 million per coverage line may be available, subject to exclusions and limitations. Counterpart marks its public EPL limits and retentions illustrative. Neither figure establishes your offer, so compare the actual per-line limit, retention, and whether a shared management-liability aggregate applies. 5 9
What to Confirm in Employment Practices Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsCounterpart
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsOffering Details
Coalition vs Counterpart: Employment Practices Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | Counterpart Employment Practices Liability |
|---|---|---|
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. 7,10Company-reported. This does not identify the carrier for an EPL placement. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. 6Company-reported. U.S. Disclaimers page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 5Company-reported. Executive Risks FAQ as read on 2026-09-23. | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. 9Company-reported. The source summary does not establish a size, industry, state or applicant acceptance rule. |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 5Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. 9Company-reported. The retained page description does not supply the policy’s complete covered-claim definition or exclusions. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 5Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Counterpart labels its published EPL limit and retention figures as illustrative examples. 9Company-reported. Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer. |
| Risk Services | Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. 5Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Confirm in your quote. |
Full Comparison
More Coalition vs Counterpart Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coalition
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
