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

Coalition says its broker-sold Executive Risks suite, including EPL, is available to private and nonprofit US organizations up to 1,000 employees and $500 million in assets. Nationwide publishes no parallel thresholds in the reviewed EPL overview. ^5,¹⁰

What Is Coalition Insurance?

Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. ^1,^2,^3,⁴

Read the Coalition profile

Read the Coalition Employment Practices Liability Insurance page

What Is Nationwide?

Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. ^7,^8,⁹

Read the Nationwide profile

Read the Nationwide Employment Practices Liability Insurance page

What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. ^11,^12,¹³

Read the full coverage guide

Key Differences in Employment Practices Liability Insurance

Published eligibility limits

Coalition says its Executive Risks suite, including EPL, is available to private and nonprofit US organizations across the states and Washington, D.C., with up to 1,000 employees and $500 million in assets. Nationwide describes EPL for businesses seeking employee-claim protection but states no corresponding size threshold in the reviewed overview. Coalition’s published envelope helps buyers screen fit; it does not guarantee an individual risk or policy terms. ⁵ ¹⁰

Program design and access

Coalition distributes EPL as one of four Executive Risks coverages through appointed brokers and says limits up to $10 million per line may be available. Nationwide directs buyers to an agent or quote request and does not state a standard EPL limit in the reviewed source. A buyer should compare whether broker appointment is needed, which carrier will issue the policy, and whether the proposed EPL limit is separate from other management-liability limits. ⁵ ⁶ ¹⁰

What to Confirm in Employment Practices Liability Insurance Quotes

Ask Coalition which carrier will issue the EPL placement and whether the limit is shared with other Executive Risks coverages. ⁶
Ask Nationwide for its eligibility thresholds and available EPL limits for your organization. ¹⁰

Coalition and Nationwide Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Coalition Review Score

10.0/ 10

Review Score

1 rated source

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.^[10]^[14]^[13]

Read Coalition reviews

Nationwide Review Score

7.8/ 10

Review Score

4 rated sources

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.^[1]^[10]

Read Nationwide reviews

Coalition vs Nationwide Employment Practices Liability Compared

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

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	Nationwide employment practices (official overview)
Role in This Line	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁵Company-reported. Executive Risks product page as read on 2026-09-23.	Nationwide describes offering employment practices for the audience stated on the cited product page. ¹⁰Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
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. ⁶Company-reported. U.S. Disclaimers page as read on 2026-09-23.	Confirm in your quote.
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. ⁵Company-reported. Executive Risks FAQ as read on 2026-09-23.	Businesses seeking protection from employee claims; policy conditions and exclusions control. ¹⁰Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
Coverage Features	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ⁵Company-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.	The cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ¹⁰Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.
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. ⁵Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. ¹⁰Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.
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. ⁵Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	Confirm in your quote.
How to Apply	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ⁵Company-reported. Executive Risks product page as read on 2026-09-23.	The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. ¹⁰Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Related Pages for Coalition vs Nationwide

Employment Practices Liability Pages for Coalition and Nationwide

Other Coverage Lines Compared for Coalition vs Nationwide

Other Employment Practices Liability Insurance Provider Comparisons

Sources for Coalition vs Nationwide

Sources About Coalition

Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
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.
How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. 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.
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.

Sources About Nationwide

Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
Employment Practices Liability Insurance. Nationwide; EPLI page; employment-related claim coverage overview. Accessed 2026-09-30.

Sources for the 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.
Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.