Coverdash vs Gallagher Employment Practices Liability Insurance

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.

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

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.

The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

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.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ⁷Company-reported. Group-level executive-and-financial-risk practice page.

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?'.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ⁷Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ⁷Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ⁷Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.

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.

Not described in the reviewed sources.