Gallagher vs 
USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance?
Gallagher places EPL with outside carriers and uses predictive models to assess employment-practices exposure. USI Insurance Services brokers EPL for small and midsize businesses and offers workplace risk-management services.
Gallagher recommends EPL and wage-and-hour limits from loss databases dating to 1997, including losses above $1 million. USI places EPL for janitorial, staffing, maintenance and other service businesses, and its ExecuSafe review checks a policy you already have for gaps. 1,2,3
What Are the Key Differences Between Gallagher and USI Insurance Services Employment Practices Liability Insurance?
Limit Modeling vs Gap Checks and Claim Advocacy
Both broker EPL, and neither names the insurer or publishes limits. Gallagher uses predictive models, contract analysis and EPL and wage-and-hour loss databases begun in 1997, including losses over $1 million, to recommend limits. USI offers classification and exposure reviews, claim advocacy and contract review for EPL, and its ExecuSafe program checks existing EPL for gaps. Choose Gallagher if you’re unsure how much EPL to buy; choose USI if you already have a policy you want checked or want an advocate at claim time. 1 2 3
Exposure by Workforce vs Named Service Industries
Gallagher models exposure by employee count, type, mix and location. USI’s Business Services EPL listing targets building and maintenance, repair, janitorial, staffing and printing companies, while ExecuSafe serves small and mid-sized businesses generally. 1 2 3
Class Actions Named vs Not Mentioned
Gallagher describes EPL as covering harassment and wrongful termination, including class actions and single-plaintiff claims. USI describes EPL responding to wrongful termination, discrimination or harassment but doesn’t mention class actions, so ask if that matters to you. 1 2
What Should You Confirm in Gallagher and USI Insurance Services Employment Practices Liability Insurance Quotes?
- Ask USI whether you need a new placement or an ExecuSafe review of your current policy. 2 3
- Ask Gallagher which insurers it will approach and how its loss data shaped your recommended limit. 1
- Get insurer names, limits and retentions from both. 1 2
- Ask USI how claim advocacy works on an EPL matter; Gallagher’s EPL page doesn’t describe claim help. 2 1
Gallagher vs USI Insurance Services Employment Practices Liability Compared
Gallagher vs USI Insurance Services: Employment Practices Liability Insurance: documented features by provider
| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | USI Employment Practices Liability Brokerage |
|---|---|---|
| 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. | 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. 2,3Company-reported. Company description of client segments for each source. |
| 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. | 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. 2,3Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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. | 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. 2,3Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. 1Company-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. 2,3Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
