Coalition vs WTW: How Do They Compare for Employment Practices Liability Insurance?

Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁵Company-reported. Executive Risks product page as read on 2026-09-23.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹²Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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. ⁶Company-reported. U.S. Disclaimers page as read on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific employment practices placement. ^12,11Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ⁵Company-reported. Executive Risks FAQ as read on 2026-09-23.

Confirm in your quote.

Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ⁵Company-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.

WTW's FY2024 annual report lists employment-practices liability insurance among its FINEX solutions. ¹¹Company-reported. Historical group-level service description only; current U.S. placement, insurer, policy wording, and buyer eligibility are not established.

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. ⁵Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

The reviewed sources do not state a buyer-specific employment practices limit, retention, or deductible. ^12,11Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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. ⁵Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹²Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ⁵Company-reported. Executive Risks product page as read on 2026-09-23.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹²Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.