--- title: "Counterpart vs USI Insurance Services: Employment Practices Liability Insurance" description: "Counterpart publishes a dedicated EPL page with illustrative terms; USI reviews EPL gaps and offers exposure reviews and claim advocacy for named business sectors." canonical: "https://spot.insure/compare/counterpart-vs-usi/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-usi" provider-a: "counterpart" provider-b: "usi" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-usi/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Counterpart and USI Insurance Services 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 Counterpart versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs USI Insurance Services for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Counterpart or USI Insurance Services? - What does Counterpart or USI Insurance Services publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Counterpart or USI Insurance Services? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Counterpart and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs USI Insurance Services](https://spot.insure/compare/counterpart-vs-usi) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [Counterpart vs USI Insurance Services D&O Insurance](https://spot.insure/compare/counterpart-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Counterpart vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) # Counterpart vs USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance? Counterpart publishes a dedicated EPL page with illustrative terms; USI reviews EPL gaps and offers exposure reviews and claim advocacy for named business sectors. ## Research Scope and Use Use this comparison to evaluate Counterpart 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 Counterpart identifies employment allegations and illustrative limits. USI describes EPL placement and review within ExecuSafe and business-services accounts. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](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? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [11](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [12](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Existing Coverage Review USI places EPL individually or reviews it within its ExecuSafe management-liability process, while targeting business-services sectors such as building maintenance, staffing, and printing. Counterpart publishes a dedicated EPL page and distributes through wholesale brokers. Ask whether you need a standalone placement or a broader gap review across management-liability policies. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") ### Sector and Service Fit USI says its Business Services practice offers exposure reviews, claim advocacy, and contract review across lines including EPL, and that ExecuSafe checks existing EPL for gaps. Counterpart’s reviewed claims describe coverage and illustrative limits, not those advisory functions. For a buyer with an existing program, clarify what review and claim support are included in each engagement. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask USI whether your industry fits Business Services or ExecuSafe and what EPL gaps its review checks. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") - Ask Counterpart for its actual terms and whether your wholesale broker provides EPL claim advocacy or exposure review. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") ## Offering Details | Criteria | Counterpart Employment Practices Liability | USI Employment Practices Liability Brokerage | | --- | --- | --- | | Role in This Line | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This does not identify the carrier for an EPL placement..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 | Confirm in your quote. | Neither page names the insurer USI uses for EPL placements. [8](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 | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The source summary does not establish a size, industry, state or applicant acceptance rule..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The retained page description does not supply the policy’s complete covered-claim definition or exclusions..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 | Counterpart labels its published EPL limit and retention figures as illustrative examples. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer..) | Neither page publishes EPL limit or retention figures. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 | Confirm in your quote. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](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 - [Counterpart vs USI Insurance Services](https://spot.insure/compare/counterpart-vs-usi): 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. - [Counterpart vs USI Insurance Services D&O Insurance](https://spot.insure/compare/counterpart-vs-usi/directors-officers) - [Counterpart vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-usi/fiduciary) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) - [AIG vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-usi/employment-practices) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/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 Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) - [Amelia Risk vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-usi/employment-practices) ## Sources ### Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 3. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28. 4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### USI Insurance Services 5. [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. 6. [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. 7. [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. 8. [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. 9. [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 10. [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. 11. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 12. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Counterpart Reviews Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## USI Insurance Services Reviews Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-usi/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)