--- title: "Gallagher vs Zurich U.S.: Employment Practices Liability Insurance" description: "Gallagher uses benchmarking and predictive models to advise EPL limits; Zurich describes employment training, workplace-law resources, and hotline support." canonical: "https://spot.insure/compare/gallagher-vs-zurich/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "gallagher-vs-zurich" provider-a: "gallagher" provider-b: "zurich" 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. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/gallagher-vs-zurich/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Gallagher and Zurich U.S. 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 Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs Zurich U.S. for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Gallagher or Zurich U.S.? - What does Gallagher or Zurich U.S. publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Gallagher or Zurich U.S.? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Gallagher and Zurich U.S.. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Gallagher vs Zurich U.S.](https://spot.insure/compare/gallagher-vs-zurich) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [Gallagher vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Crime Insurance](https://spot.insure/compare/gallagher-vs-zurich/crime) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/gallagher-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. D&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/gallagher-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Gallagher vs Zurich U.S. Surety Bonds](https://spot.insure/compare/gallagher-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) # Gallagher vs Zurich U.S.: How Do They Compare for Employment Practices Liability Insurance? Gallagher uses benchmarking and predictive models to advise EPL limits; Zurich describes employment training, workplace-law resources, and hotline support. ## Research Scope and Use Use this comparison to evaluate Gallagher and Zurich U.S. 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 Gallagher describes data and predictive-model support for choosing EPL limits; Zurich lists workplace resources, training, and an employment hotline. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## What Is Gallagher? Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [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) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [6](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Limit selection and HR resources Gallagher says it uses client data, predictive models, benchmarking, and contract analysis to guide EPL limit advice, drawing on its EPL and wage-and-hour loss databases. Zurich lists workplace-law resources, employee training, an employment hotline, sample policies, and checklists, with some services potentially costing extra. Gallagher’s described work informs the amount and structure of insurance; Zurich’s tools help policyholders address workplace issues. Employers should ask Gallagher to explain the assumptions behind its recommended limit and Zurich which support tools are available under the quote. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ### Claims and organization profile Gallagher describes EPL coverage for harassment and wrongful-termination claims, including class actions and individual suits, and models exposure using workforce size, employee mix, and operating locations. Zurich describes defense costs, judgments, and settlements for several employment allegations and highlights broad employee terms. Buyers can use Gallagher’s factors to frame a submission, then compare the Zurich form’s employee and territory wording against their workforce. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Gallagher which workforce data and loss assumptions drive the limit recommendation and whether wage-and-hour exposure is separate. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask Zurich which hotline and training services are included and how its policy defines employees and covered locations. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## Offering Details | Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Zurich Employment Practices Liability Insurance | | --- | --- | --- | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | 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..) | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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..) | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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..) | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | ## Full Comparison - [Gallagher vs Zurich U.S.](https://spot.insure/compare/gallagher-vs-zurich): 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 vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-auto) - [Gallagher vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-zurich/commercial-property) - [Gallagher vs Zurich U.S. Crime Insurance](https://spot.insure/compare/gallagher-vs-zurich/crime) - [Gallagher vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/gallagher-vs-zurich/cyber) - [Gallagher vs Zurich U.S. D&O Insurance](https://spot.insure/compare/gallagher-vs-zurich/directors-officers) - [Gallagher vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/gallagher-vs-zurich/fidelity-bonds) - [Gallagher vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-zurich/fiduciary) - [Gallagher vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-zurich/professional-errors-omissions) - [Gallagher vs Zurich U.S. Surety Bonds](https://spot.insure/compare/gallagher-vs-zurich/surety-bonds) - [AIG vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/employment-practices) - [AIG vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-zurich/employment-practices) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Alliance Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Amelia Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/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. ### Zurich U.S. 6. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 7. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 8. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance). Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28. ### Employment Practices Liability Insurance Guide 9. [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. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Gallagher Reviews Review Score: 9.3 / 10 from 3 rated sources, equally weighted. Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service. - J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com) - BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/gallagher/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/gallagher-vs-zurich/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)