--- title: "Gallagher vs USI Insurance Services: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-usi/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-usi" provider-a: "gallagher" provider-b: "usi" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/gallagher-vs-usi/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Gallagher and USI Insurance Services for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Gallagher versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs USI Insurance Services for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Gallagher or USI Insurance Services? - What does Gallagher or USI Insurance Services publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Gallagher and USI Insurance Services. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi) — all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # 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 limits from loss databases going back to 1997 and covers class actions; USI places EPL for service businesses like janitorial and staffing firms and checks existing policies for gaps. ## Gallagher vs USI Insurance Services Employment Practices Liability Insurance Summary 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") ## 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask Gallagher which insurers it will approach and how its loss data shaped your recommended limit. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Get insurer names, limits and retentions from both. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") - Ask USI how claim advocacy works on an EPL matter; Gallagher’s EPL page doesn’t describe claim help. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Gallagher vs USI Insurance Services Employment Practices Liability Compared | 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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) | ## About Gallagher and USI Insurance Services - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Gallagher vs USI Insurance Services - [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices) - [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices) ## Sources for Gallagher vs USI Insurance Services ### Sources About Gallagher 1. [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. ### Sources About USI Insurance Services 2. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23. 3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23. Updated 2026-09-25. 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-usi/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)