Gallagher vs 
Travelers Employment Practices Liability Insurance
Travelers underwrites EPL through agents on its own paper; Gallagher brokers EPL and advises limits from loss databases.
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. 1,2,3,4,5
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Carrier Paper Versus Placed Paper
Travelers underwrites EPL, sold standalone or with other management-liability coverages, through a Travelers independent agent. Gallagher places EPL and advises on program design; it does not issue the policy. Travelers names Travelers Casualty and Surety Company of America and affiliates in the video footer, while the specific entity can vary. Gallagher's page does not name markets. 9 3
Audience and Claim Shape
Travelers markets EPL to financial institutions, nonprofits, private companies and public companies. Gallagher models EPL exposure by employee count, type, mix and location rather than those four entity types. Travelers says the policy covers defense and damages for wrongful termination, discrimination, workplace harassment and retaliation. Gallagher describes sexual harassment and wrongful termination, including class actions and single-plaintiff claims. 9 3
Limits Disclosure
Travelers' reviewed page does not publish EPL limits, retentions or premiums; it cites illustrative settlements from $45,000 to $280,000 as risk context. Gallagher also does not publish a limit table; it describes benchmarking against EPL and wage-and-hour loss databases, including losses exceeding $1 million. 9 3
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask the Travelers agent which affiliate issues the policy and whether Gallagher is (or could be) that agent for the same paper. 9 3
- Ask Gallagher which non-Travelers markets it would also show and how losses over $1 million shaped the limit. 3
- Confirm class-action defense; Gallagher names it, Travelers' page does not. 3 9
- Get retentions from both; neither page publishes them. 9 3
Offering Details
Gallagher vs Travelers Employment Practices Liability Insurance: documented features by provider
| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 9Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
| Issuing Insurer | 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 product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 9Company-reported. Product page video legal footer. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 9Company-reported. Product page "Who is this right for?" 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. 3Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 9Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | 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. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 9Not found in reviewed sources. Product page video claim scenarios as read on 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. 3Company-reported. 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. | EPL coverage is bought through a Travelers independent agent. 9Company-reported. Product page "Find an insurance agent" call to action. |
Full Comparison
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Sources
Gallagher
- 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.
- Insurance for Technology & IT Businesses. 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.
- Executive and Financial Risk Insurance. Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
