---
title: "Coalition vs Gallagher: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-gallagher/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-gallagher"
provider-a: "coalition"
provider-b: "gallagher"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-gallagher/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Gallagher for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Coalition versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Gallagher for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Coalition or Gallagher?
- What does Coalition or Gallagher publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Coalition and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 gives employers under 1,000 staff a set EPL product with HR tools and limits up to $10 million, while Gallagher brokers EPL for larger or class-action-exposed employers using its loss data to set limits.

## Coalition vs Gallagher Employment Practices Liability Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Gallagher whether its quote includes wage-and-hour coverage. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Coalition vs Gallagher Employment Practices Liability Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) |

## About Coalition and Gallagher and Employment Practices Liability

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Coalition vs Gallagher

- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Coalition Employment Practices Liability Insurance](https://spot.insure/insurance-providers/coalition/employment-practices)
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)

## Sources for Coalition vs Gallagher

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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.

### Sources About Gallagher

3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-gallagher/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)