Cowbell vs TechInsurance Employment Practices Liability Insurance

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. ^4,3Company-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. ⁷Company-reported. EPLI product page.

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. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

The reviewed page does not name the issuing insurer for an EPLI policy. ⁷Not publicly disclosed. EPLI product page as read on 2026-09-23.

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. ⁴Company-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. ⁷Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.

Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ⁴Company-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. ⁴Company-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. ⁷Company-reported. EPLI product page; general policy description, not a specific policy form.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. ^4,3Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ⁷Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

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. ⁴Company-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. ⁷Company-reported. EPLI product page.