Gallagher vs 
Nationwide: How Do They Compare for Employment Practices Liability Insurance?
What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
Read the Gallagher Employment Practices Liability Insurance page
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 6,7,8
Read the Nationwide Employment Practices Liability Insurance page
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. 10,11,12
Key Differences in Employment Practices Liability Insurance
How limits are evaluated
Gallagher’s Executive and Financial Risk practice brokers EPL with outside carriers and says its advice uses employee count, workforce mix, operating locations, predictive models, benchmarking, and its EPL and wage-hour loss databases. Nationwide’s overview identifies employee-claim examples but does not describe a limit-selection method. A buyer can compare Gallagher’s advisory process with the limit available in Nationwide’s agent quote, then judge both against the same workforce and claims history. 3 9
Brokerage advice versus product description
Gallagher places coverage with outside insurers rather than underwriting it; Nationwide’s reviewed page markets EPL and routes prospects to an agent but does not name the policy issuer. That distinction matters when comparing who negotiates wording and who bears the insurance risk. Request the carrier and quoted form from each party before comparing the proposed limit or premium. 3 9
What to Confirm in Employment Practices Liability Insurance Quotes
Gallagher and Nationwide Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsGallagher vs Nationwide Employment Practices Liability Compared
Gallagher vs Nationwide: Employment Practices Liability Insurance: documented features by provider
| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Nationwide employment practices (official overview) |
|---|---|---|
| Role in This Line | 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Nationwide describes offering employment practices for the audience stated on the cited product page. 9Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | Confirm in your quote. |
| Who It’s For | 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Businesses seeking protection from employee claims; policy conditions and exclusions control. 9Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. 3Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. | The cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. 3Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk 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. 3Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for Gallagher vs Nationwide
Employment Practices Liability Pages for Gallagher and Nationwide
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Sources for Gallagher vs Nationwide
Sources About Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Sources About Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Nationwide; EPLI page; employment-related claim coverage overview. Accessed 2026-09-30.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. 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.
- Liability Coverage Terms and Conditions. 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.
