---
title: "Cowbell vs Liberty Mutual: Employment Practices Liability Insurance"
description: "Cowbell states its Zurich Select Plus EPL module targets private companies with fewer than 250 employees and under $50 million in assets, including retail, hospitality and manufacturing."
canonical: "https://spot.insure/compare/cowbell-vs-liberty-mutual/employment-practices"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cowbell-vs-liberty-mutual"
provider-a: "cowbell"
provider-b: "liberty-mutual"
coverage-line: "employment-practices"
---

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

## Agent Guide

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

**Questions this page answers:**
- Cowbell vs Liberty Mutual for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Cowbell or Liberty Mutual?
- What does Cowbell or Liberty Mutual publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Employment Practices Liability Insurance from Cowbell or Liberty Mutual?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Cowbell and Liberty Mutual.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Cowbell vs Liberty Mutual](https://spot.insure/compare/cowbell-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Cowbell vs Liberty Mutual Crime Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Liberty Mutual D&O Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)

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

Cowbell states its Zurich Select Plus EPL module targets private companies with fewer than 250 employees and under $50 million in assets, including retail, hospitality and manufacturing.

## How to Use the Cowbell vs Liberty Mutual Employment Practices Liability Insurance Comparison

Use this comparison to evaluate Cowbell and Liberty Mutual 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.

## Cowbell vs Liberty Mutual Employment Practices Liability Insurance Summary

Cowbell states its Zurich Select Plus EPL module targets private companies with fewer than 250 employees and under $50 million in assets, including retail, hospitality and manufacturing. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Is Cowbell Insurance?

Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. [1](https://cowbell.insure/ "Cowbell") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

[Cowbell profile](https://spot.insure/insurance-providers/cowbell)

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## 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. [8](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [9](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [10](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

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

### Claim scope and policy terms

Cowbell states its Zurich Select Plus EPL module targets private companies with fewer than 250 employees and under $50 million in assets, including retail, hospitality and manufacturing. Liberty Mutual identifies private-company and not-for-profit ProShield options without a matching threshold. Businesses near Cowbell’s stated boundaries should confirm eligibility and the ProShield class used for their quote. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Coverage structure and buyer impact

Zurich names Cowbell’s module “Employment Practices and Third-Party Discrimination Liability,” and Cowbell says access is through appointed Zurich E&S wholesalers on its platform. Liberty Mutual likewise mentions third-party coverage but presents EPL inside ProShield. Buyers should compare how each form defines third-party discrimination and arrange access through the appropriate broker or wholesaler. [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

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

- Does the company meet Cowbell’s employee and asset thresholds, and which wholesaler will access the module? How does ProShield define third-party discrimination? Compare insurer, exclusions, limits and package aggregates.

## Cowbell vs Liberty Mutual Employment Practices Liability Compared

| Criteria | Cowbell / Zurich Select Plus Employment Practices Liability | Liberty Mutual ProShield Employment Practices Liability |
| --- | --- | --- |
| 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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..) | Liberty Mutual includes employment practices liability in its ProShield management-liability package. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Issuing Insurer | 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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; Zurich page intro and footer..) | Confirm in your quote. |
| 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. [4](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..) | The source scopes the package to private and not-for-profit organizations and lists coverage for certain workers and volunteers; a quote is needed to establish applicant eligibility. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. [4](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. [4](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?'..) | The page describes protection for the financial impact of employment-related lawsuits and lists selected features including third-party coverage; exact definitions and exclusions depend on the policy. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Cowbell page and Zurich page, both read on 2026-09-23..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| How to Apply | 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'..) | Confirm in your quote. |

## Related Pages for Cowbell vs Liberty Mutual

- [Cowbell vs Liberty Mutual](https://spot.insure/compare/cowbell-vs-liberty-mutual): 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 vs Liberty Mutual Crime Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/crime)
- [Cowbell vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/cyber)
- [Cowbell vs Liberty Mutual D&O Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/directors-officers)
- [Cowbell vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/fiduciary)
- [Cowbell vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/management-liability)
- [Cowbell vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-liberty-mutual/technology-errors-omissions)
- [AIG vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cowbell/employment-practices)
- [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices)
- [Alliance Risk vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/employment-practices)
- [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices)
- [Amelia Risk vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cowbell/employment-practices)
- [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices)

## Sources for Cowbell vs Liberty Mutual

### Sources About Cowbell

1. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
2. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). 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.
3. [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.
4. [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.

### Sources About Liberty Mutual

5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
7. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29.

### Sources for the Employment Practices Liability Insurance Guide

8. [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.
9. [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.
10. [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 2026-10-01. 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.

## Cowbell Review Scores for 2026

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much.

- SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-liberty-mutual/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)