Gallagher vs USI Insurance Services Employment Practices Liability Insurance

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.

USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. ^9,10Company-reported. Business Services catalogue and ExecuSafe article.

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.

Neither page names the insurer USI uses for EPL placements. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. ^9,10Company-reported. Company description of client segments for each source.

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.

USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. ^9,10Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

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.

Neither page publishes EPL limit or retention figures. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. ^9,10Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

Not described in the reviewed sources.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^9,10Company-reported. Contact instructions on each page.