Gallagher vs TechInsurance: How Do They Compare for Employment Practices Liability Insurance?

Gallagher places EPL with outside carriers and uses data and benchmarking to assess exposure. TechInsurance arranges EPLI quotes for small businesses.

TechInsurance lets small businesses buy EPLI online, publishes a $257 median monthly premium and typically issues certificates the same day; Gallagher is a broker that uses EPL and wage-and-hour loss databases, including losses over $1 million, to size your limits. ^2,¹

What Are the Key Differences Between Gallagher and TechInsurance Employment Practices Liability Insurance?

Same-Day Online Purchase vs Data-Driven Limit Advice

TechInsurance sells EPLI standalone or bundled with D&O through a short online application, with agents available, and a certificate is typically ready the same day. It targets small businesses with a sizable workforce. Gallagher is a broker whose Executive and Financial Risk practice places EPL with outside insurers and sizes your limits using your data, predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases that include losses over $1 million. It models exposure by employee count, type, mix and location. Choose TechInsurance if you're a small business that needs cover quickly; choose Gallagher if you have a large or multi-state workforce and class-action exposure. ² ¹

Published Price vs No Figures

TechInsurance says its customers pay a median of $257 a month, with most between about $750 and more than $14,000 a year depending on profession, limits, deductible, headcount, turnover and claims history. Gallagher publishes no premium or limit figures, so you'll only know cost once it markets your account. ² ¹

Broader Claim List vs Named Class-Action Experience

TechInsurance lists discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy, typically on a claims-made basis (it covers claims made while the policy is active). Gallagher describes sexual harassment and wrongful termination claims, including class actions as well as single-plaintiff suits. ² ¹

What Should You Confirm in Gallagher and TechInsurance Employment Practices Liability Insurance Quotes?

Ask TechInsurance for the issuing insurer, deductible and whether the quote is bundled with D&O. ²
Ask Gallagher which insurers it will approach and how its loss data shaped the limit it recommends. ¹
Ask TechInsurance how its policy treats class actions. ¹ ²

Gallagher vs TechInsurance Employment Practices Liability Compared

Gallagher vs TechInsurance: Employment Practices Liability Insurance: documented features by provider

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	TechInsurance Employment Practices Liability Insurance (EPLI)
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. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.
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. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	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. ²Company-reported. EPLI product page; general policy description, not a specific policy form.
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. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. EPLI product page.