---
title: "Coalition vs TechInsurance Employment Practices Liability Insurance"
description: "Coalition’s EPL is broker-only with $10 million stated limits; TechInsurance quotes online and publishes a $257 median monthly cost."
canonical: "https://spot.insure/compare/coalition-vs-techinsurance/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Coalition vs TechInsurance Employment Practices Liability Insurance

Coalition’s EPL is broker-only with $10 million stated limits; TechInsurance quotes online and publishes a $257 median monthly cost.

## Research Scope and Use

Use this comparison to evaluate Coalition and TechInsurance for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition distributes Executive Risks EPL through appointed brokers, with Zurich named for admitted paper. TechInsurance arranges EPLI online, can pair it with D&O, and says policyholders pay a median of $257 per month. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### How You Buy

Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers. You request TechInsurance EPLI quotes online through a short application; licensed agents are available, and a certificate of insurance is typically available the same day you buy. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### Coverage Lists

Coalition lists wrongful termination, discrimination, harassment and retaliation. TechInsurance says EPLI covers discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, typically on a claims-made form. Coalition’s reviewed sources do not describe benefits, contract or privacy grants, or the claims-made trigger. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### Intended Buyers

TechInsurance targets small businesses with a sizable workforce that may lack a dedicated HR team. Coalition’s Executive Risks EPL is for private and not-for-profit U.S. organizations with up to 1,000 employees and up to $500 million in assets. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Limits

Coalition says limits up to $10 million per coverage line may be available. TechInsurance’s reviewed sources do not publish EPLI policy limits. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask TechInsurance which insurer issues the policy and whether benefits, contract and privacy grants apply. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Ask Coalition whether the form is claims-made and whether benefits or privacy claims are granted. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Compare Coalition’s quoted EPL limit with the limit and deductible behind TechInsurance’s published median of $257 per month. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Confirm whether TechInsurance’s D&O bundle is on the quote versus Coalition’s four-coverage Executive Risks suite. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | TechInsurance Employment Practices Liability Insurance (EPLI) |
| --- | --- | --- |
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | The reviewed page does not name the issuing insurer for an EPLI policy. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Why do I need employment practices liability insurance? section..) |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. [4](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..) | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page; general policy description, not a specific policy form..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks page and FAQ as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |

## Full Comparison

- [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Coalition vs TechInsurance Cyber Insurance](https://spot.insure/compare/coalition-vs-techinsurance/cyber)
- [Coalition vs TechInsurance D&O Insurance](https://spot.insure/compare/coalition-vs-techinsurance/directors-officers)
- [Coalition vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-techinsurance/professional-errors-omissions)
- [Coalition vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/coalition-vs-techinsurance/technology-errors-omissions)
- [Alliance Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/employment-practices)
- [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices)
- [Amelia Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/employment-practices)
- [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices)
- [Beazley vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/employment-practices)
- [Beazley vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/employment-practices)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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.
4. [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.
5. [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.

### TechInsurance

6. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
7. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
8. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions?. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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-techinsurance/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)