Coalition vs Cowbell: How Do They Compare for Employment Practices Liability Insurance?

Coalition includes EPL in Executive Risks, with limits up to $10 million per line for eligible private and nonprofit organizations. Cowbell distributes Zurich-written EPL to private companies under 250 employees through firms Zurich appoints to distribute the module.

Coalition's EPL reaches larger employers, up to 1,000 employees, through any appointed retail broker and publishes limits up to $10 million; Cowbell's Zurich module is for private companies under 250 employees and $50 million in assets, and only appointed wholesalers can quote it. ^1,³

What Are the Key Differences Between Coalition and Cowbell Employment Practices Liability Insurance?

Up to 1,000 Employees vs Under 250

Coalition's Executive Risks EPL is open to private and nonprofit US organizations with up to 1,000 employees, $500 million in assets and $500 million in plan assets. Cowbell's Zurich Select Plus module targets private companies under 250 employees and $50 million in assets, in industries such as retail, hospitality and manufacturing. Choose Coalition if you are a nonprofit or have 250 or more employees; either can fit a small private company, so let access decide. ¹ ³

How Your Broker Gets a Quote

Coalition sells only through appointed retail brokers, who can quote it directly. Cowbell's EPL module is available only to appointed Zurich E&S wholesalers through the Cowbell platform, so your broker must go through one of those wholesalers, which adds a step. Coalition also includes an HR hotline, training and a handbook builder, and publishes limits up to $10 million per line; Cowbell publishes no EPL limit. ¹ ³ ⁴

Third-Party Discrimination Named Only on Cowbell's Module

Zurich calls Cowbell's module Employment Practices and Third-Party Discrimination Liability, which signals cover for claims by customers or vendors, not just employees. Coalition's EPL page lists wrongful termination, discrimination, harassment and retaliation without naming third-party claims. If customers could accuse your staff of discrimination, ask Coalition for that wording. ⁴ ¹

What Should You Confirm in Coalition and Cowbell Employment Practices Liability Insurance Quotes?

Ask your broker whether it can reach Cowbell through a Zurich E&S wholesaler, or only Coalition directly. ³ ¹
Ask Coalition whether third-party discrimination is covered on your form. ⁴ ¹
Get Cowbell's EPL limit in writing; Coalition's $10 million is a maximum, not your quoted limit. ³ ¹
Ask which company issues each policy; both involve Zurich, and Coalition may also use other insurers on surplus-lines placements. ² ⁴

Coalition vs Cowbell Employment Practices Liability Insurance Compared

Coalition vs Cowbell: Employment Practices Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Cowbell / Zurich Select Plus Employment Practices Liability
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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. ³Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.
How to Apply	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ³Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.
Coverage Features	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ¹Company-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.	Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ³Company-reported. FAQ 'What is the difference between management liability and D&O?'. Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. ³Company-reported. FAQ 'What is the most common management liability claim?'.
Role in This Line	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. ^3,⁴Company-reported. Management liability page intro and module list; Zurich page module-name section.
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. ²Company-reported. U.S. Disclaimers page as read on 2026-09-23.	Cowbell and Zurich both say the Select Plus modules, including EPL, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this EPL module. ^3,⁴Company-reported. Management liability page intro; Zurich page intro and footer.