Cowbell vs 
TechInsurance: 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. TechInsurance arranges EPLI quotes for small businesses.
TechInsurance lets you apply for EPLI online, publishes a $257 monthly median premium and typically issues a certificate the same day. Cowbell's Zurich-backed module is only reachable through appointed wholesalers, for private firms under 250 employees and $50 million in assets, with no published price. 3,1
What Are the Key Differences Between Cowbell and TechInsurance Employment Practices Liability Insurance?
Same-Day Online Purchase vs Wholesaler-Only Access
TechInsurance lets you request EPLI quotes online through a short application, with licensed agents available, and says a certificate is typically available the same day you buy. Cowbell's EPL module isn't sold to businesses; appointed Zurich wholesalers reach it through Cowbell's API. Choose TechInsurance if you need EPLI proof quickly or want to buy it yourself; Cowbell only works if your broker has a Zurich wholesaler relationship. 3 1
Published Price Range vs No Price, Limit or Retention
TechInsurance says EPLI policyholders pay a median of $257 per month, with most paying between about $750 and more than $14,000 a year depending on profession, limits, deductible, headcount, turnover and claims history. Neither Cowbell nor Zurich publishes EPL premiums, limits or retentions. You can budget with TechInsurance's range; with Cowbell you'll learn the cost only from a quote. 3 1 2
Benefits, Contract and Privacy Claims vs Third-Party Discrimination
TechInsurance lists discrimination, harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy, and says EPLI is typically claims-made, sold standalone or with D&O. Cowbell presents EPL as one module inside Select Plus, and Zurich's module name includes third-party discrimination, which matters if customers could accuse your staff. Cowbell's FAQs don't state the policy trigger. 3 1 2
What Should You Confirm in Cowbell and TechInsurance Employment Practices Liability Insurance Quotes?
- Compare TechInsurance's quoted premium with its published median; Cowbell gives no public price. 3 1
- Ask whether Select Plus is claims-made and, if so, for the retroactive date. 3 1
- Ask which Zurich company issues Select Plus (Zurich says it's written on admitted, state-licensed paper) and which insurer TechInsurance would use; TechInsurance doesn't name one. 2 3
- Ask TechInsurance about third-party discrimination, and ask Cowbell's wholesaler about benefits, contract and privacy claims. 3 2
Cowbell vs TechInsurance Employment Practices Liability Compared
Cowbell vs TechInsurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Cowbell / Zurich Select Plus Employment Practices Liability | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. 1Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. | TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. 3Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| 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. 1Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 3Company-reported. EPLI product page. |
| Coverage Features | Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. 1Company-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. 1Company-reported. FAQ 'What is the most common management liability claim?'. | TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. 3Company-reported. EPLI product page; general policy description, not a specific policy form. |
| 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. 1,2Company-reported. Management liability page intro and module list; Zurich page module-name section. | TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. 3Company-reported. EPLI product page. |
