---
title: "Cowbell vs Gallagher: Employment Practices Liability Insurance"
description: "Cowbell's Zurich-backed EPL module only covers private companies under 250 employees and $50 million in assets, and you can reach it only through your broker's wholesaler. Gallagher is a broker with no size cap that sizes your limit from EPL and wage-and-hour loss data."
canonical: "https://spot.insure/compare/cowbell-vs-gallagher/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-gallagher"
provider-a: "cowbell"
provider-b: "gallagher"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of Cowbell and Gallagher 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 Cowbell versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs Gallagher for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Cowbell or Gallagher?
- What does Cowbell or Gallagher publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Cowbell and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# Cowbell vs Gallagher: How Do They Compare for Employment Practices Liability Insurance?

Cowbell distributes Zurich-written EPL to private companies under 250 employees through firms Zurich appoints to distribute the module. Gallagher places EPL with outside carriers and uses predictive models and benchmarking to assess exposure.

Cowbell's Zurich EPL module is only for private companies under 250 employees and $50 million in assets, reached through wholesale brokers; Gallagher brokers EPL for any size and sizes limits from loss data.

## Cowbell vs Gallagher Employment Practices Liability Insurance Summary

Cowbell's Zurich-backed EPL module only covers private companies under 250 employees and $50 million in assets, and you can reach it only through your broker's wholesaler. Gallagher is a broker with no size cap that sizes your limit from EPL and wage-and-hour loss data. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Are the Key Differences Between Cowbell and Gallagher Employment Practices Liability Insurance?

### Small Private Companies Only vs Any Size

Cowbell's EPL module, part of Zurich Select Plus, is for private companies under 250 employees and under $50 million in assets, and only appointed Zurich wholesalers can access it through Cowbell's platform, so you'll need a broker who works with one. Gallagher places EPL with outside insurers and sizes limits using your headcount, employee mix and locations. Choose Cowbell if you're a small private company and your broker can reach it; choose Gallagher if you're over 250 employees or want a broker to shop and size the program. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Third-Party Cover in Cowbell's Module vs Gallagher's Loss Data

Zurich names the module "Employment Practices and Third-Party Discrimination Liability," so customer and vendor discrimination claims are built in. Gallagher describes EPL that responds to class actions and single-plaintiff claims, and benchmarks your limit against EPL and wage-and-hour loss databases, including losses above $1 million going back to 1997. Neither publishes EPL limits. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Cowbell and Gallagher Employment Practices Liability Insurance Quotes?

- Ask Gallagher which insurers it would approach; Cowbell's module is written by Zurich on an admitted basis, meaning state guaranty-fund protection applies. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- If you're near 250 employees or $50 million in assets, check Cowbell eligibility before you apply. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Gallagher how class-action and single-plaintiff claims are treated on the placed form. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Get actual limits and the insurer on both quotes. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Cowbell vs Gallagher Employment Practices Liability Insurance Compared

| Criteria | Cowbell / Zurich Select Plus Employment Practices Liability | Gallagher Employment Practices Liability (EPL) Insurance |
| --- | --- | --- |
| Who It’s For | 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What size accounts are targeted?' and Target industries list..) | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |
| Coverage Features | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..)<br><br>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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the most common management liability claim?'..) | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| Role in This Line | 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro and module list; Zurich page module-name section..) | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## About Cowbell and Gallagher and Employment Practices Liability

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Cowbell vs Gallagher Employment Practices Liability

- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher): 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.
- [Cowbell Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cowbell/employment-practices)
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)

## Sources for Cowbell vs Gallagher

### Sources About Cowbell

1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). 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.
2. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). 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.

### Sources About Gallagher

3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.

Updated 2026-09-25. 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/cowbell-vs-gallagher/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)