--- title: "Gallagher vs TechInsurance Employment Practices Liability Insurance" description: "TechInsurance quotes small-business EPLI online with a median premium; Gallagher brokers EPL and advises limits from loss databases." canonical: "https://spot.insure/compare/gallagher-vs-techinsurance/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-techinsurance/employment-practices) # Gallagher vs TechInsurance Employment Practices Liability Insurance TechInsurance quotes small-business EPLI online with a median premium; Gallagher brokers EPL and advises limits from loss databases. ## Research Scope and Use Use this comparison to evaluate Gallagher and TechInsurance 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 TechInsurance arranges EPLI online for small businesses, publishes a $257 monthly median from its book, and typically issues a certificate the same day. Gallagher’s Executive and Financial Risk practice places EPL with outside carriers and uses EPL and wage-and-hour loss databases, including losses over $1 million, to advise on limits. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## 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 TechInsurance? TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [6](https://www.techinsurance.com/about-us "About TechInsurance") [7](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## Key Differences in Employment Practices Liability Insurance ### Same-Day Small-Business Bind Versus Limit Advice TechInsurance arranges EPLI standalone or in a management-liability bundle with D&O, through a short online application, with agents available and a certificate typically the same day you buy. Gallagher does not underwrite EPL; it places the line and advises on limits using client data, predictive models, benchmarking, contract analysis, and EPL and wage-and-hour loss databases including losses over $1 million. TechInsurance's page does not name the insurer; Gallagher's does not either. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### Published Cost Versus Unpublished Limits TechInsurance says policyholders pay a median of $257 a month, with most businesses between about $750 and more than $14,000 a year depending on profession risk, limits, deductible, employee count, turnover and claims history. Gallagher's page does not publish premium or limit figures; it describes only the benchmarking process. TechInsurance targets small businesses with a sizable workforce and notes shops without an HR team may face more lawsuits. Gallagher models exposure by employee count, type, mix and location. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### What Each Lists as Covered TechInsurance lists discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy, typically claims-made. Gallagher describes sexual harassment and wrongful termination, including class actions and single-plaintiff claims. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [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 TechInsurance for the writing company, deductible and whether the quote is bundled with D&O. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") - Ask Gallagher which markets it will use and how losses over $1 million informed the tower. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Compare class-action treatment; Gallagher names it, TechInsurance's page does not. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") - Treat the $257 median as TechInsurance book statistics, not Gallagher's pricing method. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") ## Offering Details | Criteria | Gallagher Employment Practices Liability (EPL) Insurance | TechInsurance Employment Practices Liability Insurance (EPLI) | | --- | --- | --- | | 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..) | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | | 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..) | The reviewed page does not name the issuing insurer for an EPLI policy. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) | | 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..) | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page; general policy description, not a specific policy form..) | | 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..) | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table..) | | 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. | 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. [8](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | ## Full Comparison - [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-techinsurance/business-owners-policy) - [Gallagher vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-auto) - [Gallagher vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/commercial-property) - [Gallagher vs TechInsurance Cyber Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/cyber) - [Gallagher vs TechInsurance D&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/directors-officers) - [Gallagher vs TechInsurance Fidelity Bonds](https://spot.insure/compare/gallagher-vs-techinsurance/fidelity-bonds) - [Gallagher vs TechInsurance General Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/general-liability) - [Gallagher vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/professional-errors-omissions) - [Gallagher vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/technology-errors-omissions) - [Gallagher vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/umbrella-excess) - [Gallagher vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-techinsurance/workers-compensation) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices) - [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices) - [Beazley vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/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. ### TechInsurance 6. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 7. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 8. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions?. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 9. [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. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). 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