--- title: "Gallagher vs RiskCube Employment Practices Liability Insurance" description: "Gallagher advises EPL limits from loss databases; RiskCube lists startup EPLI as a catalogue line with a contact-form path." canonical: "https://spot.insure/compare/gallagher-vs-riskcube/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-riskcube/employment-practices) # Gallagher vs RiskCube Employment Practices Liability Insurance Gallagher advises EPL limits from loss databases; RiskCube lists startup EPLI as a catalogue line with a contact-form path. ## Research Scope and Use Use this comparison to evaluate Gallagher and RiskCube 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. ## Summary Gallagher places EPL and says it uses EPL and wage-and-hour loss databases, including losses over $1 million, to advise limits. RiskCube lists EPLI on its startup catalogue as an independent brokerage aimed at first hires and rapid scaling. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is Gallagher? Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## What Is RiskCube Insurance? RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [6](https://riskcubeai.com/ "Startup Business Insurance") [7](https://riskcubeai.com/licenses "Licenses & Disclosures") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## Key Differences in Employment Practices Liability Insurance ### Broker Role and Limit Advice Gallagher and RiskCube both broker EPLI rather than issue it. Gallagher's Executive and Financial Risk practice says it uses predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases—including historical losses exceeding $1 million—to advise on limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") RiskCube lists Employment Practices Liability as an independent-brokerage catalogue line. Its reviewed offering does not describe loss databases or a limits-benchmarking process. Neither Gallagher nor RiskCube names the issuing insurer in the reviewed offering. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### Claim Types and Audience Gallagher describes EPL as responding to sexual harassment and wrongful termination, including class actions and single-plaintiff claims. RiskCube describes claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") Gallagher models exposure by employee count, type, mix and location. RiskCube frames the line as critical for startups hiring first employees or scaling rapidly. Gallagher's reviewed offering does not describe that first-hire framing. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### How You Inquire RiskCube's reviewed EPLI path is a general contact form rather than a dedicated application, timeline or intake list. Gallagher's reviewed offering describes advisory work on limits and program design; it does not describe an EPL-specific application flow. [10](https://riskcubeai.com/insurance/epli "Contact RiskCube") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") RiskCube's reviewed offering does not publish EPLI limits, retentions or premiums. Gallagher's reviewed offering also does not publish specific EPL limits or premium ranges. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask RiskCube which carrier would issue EPLI. [10](https://riskcubeai.com/insurance/epli "Contact RiskCube") - Ask Gallagher which markets it will approach and how its loss-database review produced the recommended limit. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Confirm how each firm treats your headcount and hiring stage. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Get written limits from both; neither reviewed offering publishes them. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Offering Details | Criteria | Gallagher Employment Practices Liability (EPL) Insurance | RiskCube Employment Practices Liability Insurance | | --- | --- | --- | | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail..) | | Issuing Insurer | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | Not described in the reviewed sources. | | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) | | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or endorsement list was found for this line..) | | Limits and Retentions | The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") [10](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) | | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) | Not described in the reviewed sources. | | How to Apply | Not described in the reviewed sources. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. [10](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [Gallagher vs RiskCube Crime Insurance](https://spot.insure/compare/gallagher-vs-riskcube/crime) - [Gallagher vs RiskCube Cyber Insurance](https://spot.insure/compare/gallagher-vs-riskcube/cyber) - [Gallagher vs RiskCube D&O Insurance](https://spot.insure/compare/gallagher-vs-riskcube/directors-officers) - [Gallagher vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-riskcube/fiduciary) - [Gallagher vs RiskCube General Liability Insurance](https://spot.insure/compare/gallagher-vs-riskcube/general-liability) - [Gallagher vs RiskCube Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-riskcube/technology-errors-omissions) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Alliance Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Amelia Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/employment-practices) - [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices) - [Beazley vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/employment-practices) ## Sources ### Gallagher 1. [Technology Insurance](https://www.ajg.com/industries/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. 2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. ### RiskCube 6. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 7. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 8. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 9. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23. 10. [Contact RiskCube](https://riskcubeai.com/insurance/epli). RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 11. [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. Updated 2026-09-23. 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