--- title: "Gallagher vs Travelers Employment Practices Liability Insurance" description: "Travelers underwrites EPL through agents on its own paper; Gallagher brokers EPL and advises limits from loss databases." canonical: "https://spot.insure/compare/gallagher-vs-travelers/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-travelers/employment-practices) # 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. ## Research Scope and Use Use this comparison to evaluate Gallagher and Travelers 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 Travelers underwrites EPL in Management & Professional Liability, sold through independent agents, with Travelers Casualty and Surety Company of America named in the page disclosure. Gallagher places EPL with outside carriers and uses EPL and wage-and-hour loss databases, including losses over $1 million, to recommend limits. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 the Travelers agent which affiliate issues the policy and whether Gallagher is (or could be) that agent for the same paper. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask Gallagher which non-Travelers markets it would also show and how losses over $1 million shaped the limit. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Confirm class-action defense; Gallagher names it, Travelers' page does not. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Get retentions from both; neither page publishes them. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Offering Details | 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. [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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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 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. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Not found in reviewed sources; scope: 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. [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. | EPL coverage is bought through a Travelers independent agent. [9](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) | ## Full Comparison - [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers): 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 Travelers Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-travelers/business-owners-policy) - [Gallagher vs Travelers Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-travelers/commercial-auto) - [Gallagher vs Travelers Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-travelers/commercial-property) - [Gallagher vs Travelers Crime Insurance](https://spot.insure/compare/gallagher-vs-travelers/crime) - [Gallagher vs Travelers Cyber Insurance](https://spot.insure/compare/gallagher-vs-travelers/cyber) - [Gallagher vs Travelers D&O Insurance](https://spot.insure/compare/gallagher-vs-travelers/directors-officers) - [Gallagher vs Travelers Fidelity Bonds](https://spot.insure/compare/gallagher-vs-travelers/fidelity-bonds) - [Gallagher vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-travelers/fiduciary) - [Gallagher vs Travelers General Liability Insurance](https://spot.insure/compare/gallagher-vs-travelers/general-liability) - [Gallagher vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-travelers/kidnap-ransom) - [Gallagher vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-travelers/professional-errors-omissions) - [Gallagher vs Travelers Surety Bonds](https://spot.insure/compare/gallagher-vs-travelers/surety-bonds) - [Gallagher vs Travelers Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-travelers/technology-errors-omissions) - [Gallagher vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-travelers/umbrella-excess) - [Gallagher vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-travelers/workers-compensation) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) - [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices) - [Beazley vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-travelers/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. ### Travelers 6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 9. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). 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 10. [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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-travelers/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)