Coalition vs Founder Shield Employment Practices Liability Insurance

Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Employment Practices Liability Insurance with third-party carriers rather than underwriting the policy itself. ¹²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Founder Shield says EPLI is often purchased standalone but is sometimes packaged with Directors & Officers coverage, since employee-related suits frequently name corporate officers personally. ¹¹Company-reported. EPLI product page.

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. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.

Founder Shield says it places policies, including Founder Shield Employment Practices Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ⁸Company-reported. General carrier-selection FAQ, not specific to this line's placements.

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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.

Founder Shield markets EPLI to startups hiring their first employees, retail and hospitality businesses with high turnover, professional-services firms, technology companies, and non-profits with volunteers. ¹¹Company-reported. EPLI product page.

Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ⁴Company-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.

Founder Shield lists defense costs, settlements and judgments, and claims of wrongful termination, discrimination, harassment and retaliation as what EPLI responds to. ¹¹Company-reported. Product page; the issued policy and declarations control actual coverage.

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

Not described in the reviewed sources.

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. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

Not described in the reviewed sources.

Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

You request Founder Shield Employment Practices Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^12,8Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.