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

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

## Agent Guide

**What this page is:** Focused comparison of Coalition and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Coalition and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 small-business EPLI online at a published median of $257 a month, while Coalition sells only through brokers with limits up to $10 million.

## Coalition vs TechInsurance Employment Practices Liability Insurance Summary

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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## 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](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 covered. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Compare the limit and deductible on each quote against TechInsurance's $257 median. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Ask whether you're pairing EPLI with TechInsurance's D&O or with Coalition's four-coverage Executive Risks suite. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs TechInsurance Employment Practices Liability Compared

| 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. [1](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. [3](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..) |
| 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..) | 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. [3](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..) |
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. [1](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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product 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..) | 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. [3](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..) |
| 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..) | 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |

## About Coalition and TechInsurance and Employment Practices Liability

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

## Related Pages for Coalition vs TechInsurance

- [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): 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)
- [TechInsurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/techinsurance/employment-practices)

## Sources for Coalition vs TechInsurance

### 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 TechInsurance

3. [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.

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-techinsurance/employment-practices.md)
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