---
title: "Coalition vs USI Insurance Services Employment Practices Liability Insurance"
description: "Coalition’s EPL is an Executive Risks product with $10 million stated limits; USI brokers EPL for janitorial, staffing and other business-services trades."
canonical: "https://spot.insure/compare/coalition-vs-usi/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Coalition vs USI Insurance Services Employment Practices Liability Insurance

Coalition’s EPL is an Executive Risks product with $10 million stated limits; USI brokers EPL for janitorial, staffing and other business-services trades.

## Research Scope and Use

Use this comparison to evaluate Coalition and USI Insurance Services 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. USI brokers EPL for business-services clients such as janitorial and staffing firms and reviews existing EPL for gaps under ExecuSafe. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## 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 USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [6](https://www.usi.com/about-usi "The Power of ONE") [7](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [8](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Product Versus Trade Practice

Coalition designs Executive Risks EPL. USI brokers EPL, placing it individually or reviewing it as part of a management liability program under ExecuSafe. USI’s Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; ExecuSafe targets small- and medium-sized businesses generally. Coalition’s eligibility is private and not-for-profit U.S. organizations with up to 1,000 employees. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### Insurer and Limits

Coalition names Zurich American for admitted Executive Risks and says limits up to $10 million per line may be available. Neither USI page names the insurer or publishes EPL limit or retention figures. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services")

### Gap Check Versus HR Toolkit

USI’s Business Services practice offers classification and exposure reviews, claim advocacy and contract review across lines including EPL, and ExecuSafe specifically checks existing EPL coverage for gaps. Coalition includes a customized risk assessment, HR hotline, employee training and handbook builder. Coalition sells through appointed brokers; USI directs business-services inquiries to a published email inbox or a local office and ExecuSafe inquiries to a separate published inbox. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask USI whether it is placing new EPL or reviewing an existing policy under ExecuSafe, and which carrier would issue new paper. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Ask Coalition for the quoted EPL limit and admitted versus non-admitted route. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Get USI limits and retentions in writing. [9](https://www.usi.com/property-casualty/business-services/ "Business Services")
- Ask USI what classification and contract-review work it will do on wage-and-hour or staffing exposures. [9](https://www.usi.com/property-casualty/business-services/ "Business Services")

## Offering Details

| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | USI Employment Practices Liability Brokerage |
| --- | --- | --- |
| 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..) | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |
| 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..) | Neither page names the insurer USI uses for EPL placements. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages 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..) | USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Company description of client segments for each source..) |
| 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..) | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) |
| 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..) | Neither page publishes EPL limit or retention figures. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) |
| 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..) | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) |
| 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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [9](https://www.usi.com/property-casualty/business-services/ "Business Services") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on each page..) |

## Full Comparison

- [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi): 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 USI Insurance Services Crime Insurance](https://spot.insure/compare/coalition-vs-usi/crime)
- [Coalition vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/coalition-vs-usi/cyber)
- [Coalition vs USI Insurance Services D&O Insurance](https://spot.insure/compare/coalition-vs-usi/directors-officers)
- [Coalition vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-usi/fiduciary)
- [Coalition vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-usi/professional-errors-omissions)
- [Alliance Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/employment-practices)
- [Alliance Risk vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/employment-practices)
- [Amelia Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/employment-practices)
- [Amelia Risk vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-usi/employment-practices)
- [Beazley vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/employment-practices)
- [Beazley vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-usi/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.

### USI Insurance Services

6. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
7. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
8. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
9. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23.
10. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

11. [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-usi/employment-practices.md)
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