Coalition vs 
TechInsurance: How Do They Compare for Employment Practices Liability Insurance?
Coalition offers EPL within Executive Risks for private and nonprofit organizations, with limits up to $10 million per line. TechInsurance arranges EPLI quotes for small businesses.
TechInsurance quotes EPLI online, often with a certificate the same day, and says customers pay a median $257 a month. Coalition sells only through appointed brokers, with limits up to $10 million for employers of up to 1,000 staff. 3,1
What Are the Key Differences Between Coalition and TechInsurance Employment Practices Liability Insurance?
Online Quote vs Broker Placement
You can get a TechInsurance EPLI quote through a short online application, with licensed agents on call and a certificate usually the same day. Coalition sells EPL only through appointed brokers. TechInsurance aims at small businesses with a sizable workforce but no dedicated HR team; Coalition takes private and nonprofit US employers with up to 1,000 staff and $500 million in assets. Choose TechInsurance if you're a small employer who wants a price fast; choose Coalition if you work with a broker and need limits up to $10 million. 1 3
What Each Lists as Covered
TechInsurance lists discrimination, sexual harassment, wrongful termination, mishandled employee benefits, breach of employment contract and invasion of privacy, usually on a claims-made form. Coalition lists wrongful termination, discrimination, harassment and retaliation, and doesn't mention benefits, contract or privacy claims. 1 3
Limits vs Price
Coalition says limits up to $10 million per coverage line may be available. TechInsurance publishes a median premium of $257 a month but no limits, so you can't tell what that price buys until you quote. 1 3
What Should You Confirm in Coalition and TechInsurance Employment Practices Liability Insurance Quotes?
- Ask TechInsurance which insurer issues the policy and whether benefits, contract and privacy claims are covered. 3
- Ask Coalition whether the form is claims-made and whether benefits or privacy claims are covered. 1
- Compare the limit and deductible on each quote against TechInsurance's $257 median. 1 3
- Ask whether you're pairing EPLI with TechInsurance's D&O or with Coalition's four-coverage Executive Risks suite. 3 1
Coalition vs TechInsurance Employment Practices Liability Compared
Coalition vs TechInsurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. 1Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. 3Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table. |
| 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. | TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. 3Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 3Company-reported. EPLI product 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. | TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. 3Company-reported. EPLI product page; general policy description, not a specific policy form. |
| 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. | TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. 3Company-reported. EPLI product page. |
