Coalition vs The Hartford Employment Practices Liability Insurance

Coalition states EPL in all 50 states with limits up to $10 million; The Hartford’s built-in BOP EPLI has four state carve-outs and a $25,000 Spectrum limit.

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,^2,^3,⁴

Read the Coalition profile

What Is The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. ^6,^7,⁸

Read the The Hartford profile

What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. ¹⁰

Read the full coverage guide

Key Differences in Employment Practices Liability Insurance

Package Seat

Coalition’s EPL is one of four Executive Risks coverages. The Hartford’s EPLI is built into its Business Owner’s Policy for most classes, included in Private Choice Premier, and also sold stand-alone as Employers Premier Choice. ⁴ ⁹

States and Limit Figures

Coalition says Executive Risks products, including EPL, are available in all 50 states and Washington, D.C. The Hartford’s footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. Coalition says limits up to $10 million per line may be available and names Zurich American for admitted Executive Risks. ⁴ ⁵ ⁹

Third-Party and Wage-and-Hour Defense

The Hartford says third-party EPLI is included for most businesses and that its BOP automatically includes Wage and Hour Defense Cost coverage. Coalition lists four employee-related claim types and does not describe third-party or wage-and-hour grants on the reviewed pages. The Hartford’s hartfordhelp.com tools require purchase of increased EPL limits. Coalition includes an HR hotline, training and handbook builder without that increased-limit condition on the reviewed page. ⁹ ⁴

What to Confirm in Employment Practices Liability Insurance Quotes

If you operate in California, Minnesota, North Dakota or New York, ask The Hartford whether any EPL applies outside the BOP built-in grant. ⁹
Ask which Hartford product is quoted (BOP, Private Choice Premier, or Employers Premier Choice) versus Coalition Executive Risks. ⁹ ⁴
Compare the $25,000 Spectrum figure with Coalition’s quoted EPL limit. ⁹ ⁴
Ask Coalition whether third-party and wage-and-hour defense apply as The Hartford describes them. ⁴ ⁹

Offering Details

Coalition vs The Hartford Employment Practices Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Employment Practices Liability (EPL)	The Hartford 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. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ⁹Company-reported. EPLI product page as read 2026-09-23.
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. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.	The Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. ⁹Company-reported. EPLI product page footnote as read 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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.	The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. ⁹Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).
Coverage Features	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ⁴Company-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 Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ⁹Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. ⁹Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.
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. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. ⁹Company-reported. EPLI product page as read 2026-09-23.
How to Apply	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	Not described in the reviewed sources.

Full Comparison

More Coalition vs The Hartford Comparisons

Other Employment Practices Liability Insurance Comparisons

Sources

Coalition

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.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
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.
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.

The Hartford

Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
Employment Practices Liability Insurance | EPL Insurance. The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.

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.