Embroker vs Gallagher Employment Practices Liability Insurance

Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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.

Not described in the reviewed sources.

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.

Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. ⁴Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business.

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.

Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. ⁴Company-reported. Product-page What's not included section.

Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. ⁴Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section.

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.

Not described in the reviewed sources.

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.

Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. ⁴Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services.

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.

Embroker offers an online quote for EPLI through its digital platform. ⁴Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.

Not described in the reviewed sources.