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

Coalition offers EPL through Executive Risks for private and nonprofit organizations, with limits up to $10 million per line. Gallagher places EPL with outside carriers and uses client data, predictive models and benchmarking to assess exposure.

Coalition is a ready-made product for private employers under 1,000 staff, with limits up to $10 million and HR tools to head off claims. Gallagher is a broker that sizes your limit from its EPL and wage-and-hour loss databases, with no published cap on who it serves. ^1,³

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

Capped Product for Under 1,000 Staff vs Broker Modeling Any Size

Coalition designs its own EPL within Executive Risks, open to private and nonprofit US organizations with up to 1,000 employees and $500 million in assets, with limits up to $10 million. Gallagher’s Executive and Financial Risk practice places EPL with outside insurers and models your exposure from employee count, type, mix and location instead of publishing caps. Choose Coalition if you are a private employer under 1,000 staff who wants HR tools; choose Gallagher if you are larger or face class-action or wage-and-hour risk. ¹ ³

Class Actions Named vs Four Listed Claim Types

Gallagher describes EPL as answering harassment and wrongful termination claims, including class actions and single-plaintiff suits. Coalition lists wrongful termination, discrimination, harassment and retaliation, and its page does not mention class actions. If many employees could sue together, ask Coalition directly how its policy responds. ³ ¹

HR Tools to Prevent Claims vs Loss Data to Set Limits

Coalition gives you an HR hotline, training, a handbook builder and a risk assessment to stop disputes turning into claims. Gallagher uses client data, benchmarking and EPL and wage-and-hour loss databases, including losses over $1 million, to recommend how much limit you need. ¹ ³

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

Ask Gallagher which insurer would issue the policy and what limit its benchmarking recommends for you. ³
Ask Gallagher whether its quote includes wage-and-hour coverage. ³
Ask Coalition for your actual EPL limit, since $10 million is a maximum, and whether the policy is issued by Zurich or another insurer. ¹ ²

Coalition vs Gallagher Employment Practices Liability Compared

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

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Gallagher Employment Practices Liability (EPL) Insurance
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.	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. ³Company-reported. Group-level executive-and-financial-risk practice page.
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.	Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.
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.	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. ³Company-reported. Group-level executive-and-financial-risk practice page.
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. ¹Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	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. ³Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.