---
title: "Gallagher vs The Hartford: Employment Practices Liability Insurance"
description: "The Hartford includes EPLI with wage-and-hour defense in most business owner’s policies, but not in California, Minnesota, North Dakota or New York. Gallagher is a broker that sets your limit from EPL and wage-and-hour loss data, useful for larger employers or those four states."
canonical: "https://spot.insure/compare/gallagher-vs-the-hartford/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-the-hartford"
provider-a: "gallagher"
provider-b: "the-hartford"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-the-hartford/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and The Hartford for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Gallagher versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs The Hartford for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Gallagher or The Hartford?
- What does Gallagher or The Hartford publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Gallagher and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# Gallagher vs The Hartford: How Do They Compare for Employment Practices Liability Insurance?

Gallagher places EPL with outside carriers and models exposure using client data. The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

The Hartford builds EPLI into most business owner’s policies outside CA, MN, ND and NY, while Gallagher brokers EPL and sizes limits from its own loss databases.

## Gallagher vs The Hartford Employment Practices Liability Insurance Summary

The Hartford includes EPLI with wage-and-hour defense in most business owner’s policies, but not in California, Minnesota, North Dakota or New York. Gallagher is a broker that sets your limit from EPL and wage-and-hour loss data, useful for larger employers or those four states. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Are the Key Differences Between Gallagher and The Hartford Employment Practices Liability Insurance?

### Built-In BOP Coverage vs a Broker Designing Your Program

The Hartford underwrites EPLI itself: built into most business owner’s policy (BOP) classes, included in Private Choice Premier, or standalone as Employers Premier Choice. Gallagher’s Executive and Financial Risk practice places EPL with outside insurers and designs the program around your employee count, type, mix and location. Choose The Hartford if you are a small business buying a BOP outside California, Minnesota, North Dakota and New York; choose Gallagher if you are in those states, larger, or exposed to class actions. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Four-State Carve-Out vs No Published State Limits

The Hartford has no built-in EPL in California, Minnesota, North Dakota or New York, and its program does not apply to EPL written in California. Gallagher publishes no such carve-out. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Wage-and-Hour Defense Included vs Class Actions and Loss Data

The Hartford says its BOP EPLI automatically includes wage-and-hour defense costs and covers claims from customers and vendors for most businesses; buy higher limits and you get hartfordhelp.com training and model handbooks. Gallagher covers harassment and wrongful termination, including class actions, and uses EPL and wage-and-hour loss databases with losses over $1 million to recommend your limit. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Gallagher and The Hartford Employment Practices Liability Insurance Quotes?

- Ask The Hartford which product applies (BOP, Private Choice Premier or Employers Premier Choice) and how it writes EPL in California, Minnesota, North Dakota or New York. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
- Ask Gallagher which insurers it would use if The Hartford’s built-in EPL doesn’t apply in your state. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
- Check your limit: The Hartford publishes $25,000 on its Spectrum BOP, written by Hartford Underwriters Insurance Company; ask Gallagher what limit its loss data recommends. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Gallagher whether its placement includes any HR training. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## Gallagher vs The Hartford Employment Practices Liability Compared

| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | The Hartford 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. [1](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..) | The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025)..) |
| 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. [1](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..) | The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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. [1](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..) | The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23..) |
| 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. [1](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..) | The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23..) |

## About Gallagher and The Hartford and Employment Practices Liability

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Gallagher vs The Hartford

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)
- [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices)

## Sources for Gallagher vs The Hartford

### Sources About Gallagher

1. [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.

### Sources About The Hartford

2. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.

Updated 2026-09-25. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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