Gallagher vs TechInsurance Employment Practices Liability Insurance

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.

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. ⁸Company-reported. EPLI product page.

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.

The reviewed page does not name the issuing insurer for an EPLI policy. ⁸Not publicly disclosed. EPLI product page as read on 2026-09-23.

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.

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. ⁸Company-reported. EPLI product page, Why do I need employment practices liability insurance? 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. ³Company-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. ⁸Company-reported. EPLI product page; general policy description, not a specific policy form.

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.

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. ⁸Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ⁸Company-reported. EPLI product page.