Coalition vs 
Gallagher Employment Practices Liability Insurance
Coalition sells Executive Risks EPL with published $10 million limits; Gallagher advises EPL limits using loss databases it has built since 1997.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
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. 6,7,8,9,10
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 11
Key Differences in Employment Practices Liability Insurance
Who Issues Versus Who Places
Coalition designs Executive Risks EPL, so the product you buy is Coalition’s line, with limits up to $10 million possibly available. Gallagher’s Executive and Financial Risk practice places EPL with outside carriers and advises on limits; it does not underwrite. You would confirm Gallagher’s issuing insurer on the quote; Coalition’s $10 million figure is a stated maximum, not the number on a binder. 4 8
Class Actions Versus Named Perils
Gallagher describes EPL as answering sexual harassment and wrongful termination claims, including class actions and single-plaintiff suits. Coalition lists wrongful termination, discrimination, harassment and retaliation. If a class action is a realistic exposure, Gallagher’s description names that shape of claim; Coalition’s reviewed sources do not. 8 4
Headcount Caps Versus Modeling
Coalition’s stated eligibility stops at 1,000 employees and $500 million in assets for private and not-for-profit U.S. organizations. Gallagher models exposure from employee count, type, mix and location instead of publishing those caps. An employer above 1,000 people sits outside Coalition’s stated band and inside Gallagher’s modeling description. 4 8
What Each Side Does Around the Policy
Coalition’s extras are an HR hotline, training, a handbook builder and a risk assessment—tools aimed at employment disputes before they become claims. Gallagher uses client data, benchmarking and EPL and Wage and Hour loss databases, including losses over $1 million, to advise on limits. One set of extras is operational HR help; the other is limit advice from historical losses. 4 8
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Gallagher which carrier would issue the policy and what limit its benchmarking recommends. 8
- Ask whether Gallagher’s quote includes wage-and-hour coverage. 8
- Ask Coalition for the EPL limit versus the $10 million stated maximum and whether the paper is Zurich admitted. 4 5
- Compare class-action wording on Gallagher’s placement with Coalition’s four listed claim types. 8 4
Offering Details
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 |
|---|---|---|
| Role in This Line | 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. | 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. 8Company-reported. Group-level executive-and-financial-risk practice page. |
| 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. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. 8Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| 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. 4Company-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. 8Company-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. 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. | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. 8Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. 8Not publicly disclosed. Checked the 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. 4Company-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. 8Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited. |
| How to Apply | 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. | Not described in the reviewed sources. |
Full Comparison
More Coalition vs Gallagher Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coalition
- 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.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. 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.
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- 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
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
