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

Gallagher places EPL with outside carriers and uses client data, predictive models and benchmarking to assess exposure. Travelers insures EPL within its Management Liability portfolio and distributes it through independent agents.

Travelers sells you its own EPL policy through an independent agent; Gallagher is a broker that compares insurers and uses loss databases, including losses over $1 million, to size your limit. Gallagher can bring Travelers and other insurers to the same table. ^2,¹

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

One Insurer's Policy vs a Broker's Market Comparison

Travelers writes EPL itself, standalone or with its other management-liability coverages, and sells it through independent agents to financial institutions, nonprofits, and private and public companies. Gallagher places EPL with outside insurers and doesn't name them. With Travelers you know the claims payer up front; with Gallagher you get several options. Choose Travelers through your agent if you're a bank, nonprofit or public company that wants one known insurer; choose Gallagher if you have a large workforce and want limits benchmarked and insurers compared. ² ¹

Settlement Examples vs Loss-Data Benchmarking

Travelers publishes no limits or retentions but cites settlements from $45,000 to $280,000 to show what a claim costs. Gallagher benchmarks limits against its EPL and wage-and-hour loss databases, including losses over $1 million, and models exposure by headcount, employee mix and location. If class actions are a risk for you, Gallagher explicitly covers class and single-plaintiff claims in its framing; Travelers lists wrongful termination, discrimination, harassment and retaliation. ² ¹

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

Ask whether Gallagher can quote Travelers alongside its other markets, so you compare on one schedule. ² ¹
Ask Gallagher how losses over $1 million shaped your recommended limit. ¹
Ask Travelers whether class actions are covered the same way as single-plaintiff claims. ¹ ²
Get retentions from both in writing. ² ¹

Gallagher vs Travelers Employment Practices Liability Compared

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

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	Travelers Employment Practices Liability Insurance (EPL)
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.	Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. ²Company-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. ¹Company-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. ²Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ²Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.