Coverdash vs 
Cowbell Employment Practices Liability Insurance
Coverdash quotes EPLI from a carrier panel for any employer; Cowbell distributes Zurich’s Select Plus EPL module only through appointed wholesalers.
What Is Coverdash Insurance?
Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. 1,2,3
What Is Cowbell Insurance?
Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. 5,6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 9
Key Differences in Employment Practices Liability Insurance
Who Carries the Risk
Coverdash arranges EPLI quotes from a panel of insurers and does not underwrite the policy; its EPLI page does not name the issuing carrier for a given quote. Cowbell distributes Zurich’s Select Plus management-liability product, in which EPL is one module that Cowbell and Zurich both say is written on Zurich admitted paper, with Zurich’s footer naming Zurich American Insurance Company in copyright without stating that entity is the EPL issuer. 4 8 7
How the Coverage Is Packaged
Coverdash says EPLI can be bought on its own or is often bundled into a management-liability policy with D&O and fiduciary. Cowbell presents EPL only as a module inside Select Plus; Zurich names that module “Employment Practices and Third-Party Discrimination Liability,” which is broader than the “EPL” shorthand on Cowbell’s FAQ. 4 8 7
Who Can Buy It and How
Coverdash markets EPLI to any business with employees, as soon as hiring starts, and you request a quote on the product page. Cowbell targets private companies with under 250 employees and under $50 million in assets in industries such as retail, hospitality and manufacturing, and the module is accessed only by appointed Zurich E&S wholesalers through Cowbell’s API—not sold directly to businesses. 4 8
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Coverdash which panel insurer would issue the EPLI policy and whether the quote is standalone or inside a management-liability bundle. 4
- Ask whether a Cowbell/Zurich quote uses the third-party discrimination module name and which Zurich company is on the declarations. 7 8
- Confirm headcount and asset tests for Select Plus against Coverdash’s “any employer” framing, and get limits from both quotes—neither public page publishes them. 8 4
- If you are not working with an appointed Zurich E&S wholesaler, you cannot buy the Cowbell module directly; Coverdash’s path is an online quote request. 8 4
Offering Details
Coverdash vs Cowbell Employment Practices Liability Insurance: documented features by provider
| Criteria | Coverdash Employment Practices Liability Insurance | Cowbell / Zurich Select Plus Employment Practices Liability |
|---|---|---|
| Role in This Line | Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. 4Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote. | Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. 8,7Company-reported. Management liability page intro and module list; Zurich page module-name section. |
| Issuing Insurer | The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there. | Cowbell and Zurich both say the Select Plus modules, including EPL, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this EPL module. 8,7Company-reported. Management liability page intro; Zurich page intro and footer. |
| Who It’s For | Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. 4Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule. | Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. 8Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. |
| Coverage Features | Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. 4Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy. Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. 4Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'. | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. 8Company-reported. FAQ 'What is the difference between management liability and D&O?'. Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. 8Company-reported. FAQ 'What is the most common management liability claim?'. |
| Limits and Retentions | The EPLI page does not publish limit, retention or deductible amounts for the policy. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote. | Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. 8,7Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23. |
| How to Apply | You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. 4Company-reported. EPLI product page calls to action, read together with the provider record's general application facts. | This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 8Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
Full Comparison
More Coverdash vs Cowbell Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Employment Practices Liability Insurance. Coverdash; Hero description; Types of Coverage: Wrongful termination, Discrimination, Harassment, Retaliation and more; Who it's for; FAQ: What does EPLI cover?, Do small businesses need EPLI?, Is EPLI part of management liability? Accessed 2026-09-23.
Cowbell
- Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
- Prime Tech Product Overview. Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Employment Practices and Third-Party Discrimination Liability'; FAQ 'What is the difference between management liability and D&O?' and 'What is the most common management liability claim?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23.
- Management liability coverage for small & medium enterprises. Cowbell; FAQ 'What is the difference between management liability and D&O?' (EPL definition); FAQ 'What is the most common management liability claim?' (EPL claim types); Target industries list. 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.
