TechInsurance vs The Hartford: How Do They Compare for Employment Practices Liability Insurance?

TechInsurance arranges EPLI quotes for small businesses. The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

TechInsurance quotes EPLI online, usually issues a certificate the same day, and reports a median of $257 a month. The Hartford is the insurer and builds EPL into most business owner’s policies, with a $25,000 limit on its Spectrum policies. ^1,²

What Are the Key Differences Between TechInsurance and The Hartford Employment Practices Liability Insurance?

An Online Broker vs the Insurer’s Own Policies

TechInsurance arranges EPLI on its own or bundled with D&O and doesn’t name the insurer. The Hartford underwrites EPLI itself: built into its business owner’s policy (BOP) for most classes, inside Private Choice Premier, and standalone as Employers Premier Choice. Its built-in cover isn’t available in California, Minnesota, North Dakota or New York. Choose TechInsurance if you want to compare a standalone EPLI quote online; choose The Hartford if you already buy its BOP outside those four states. ¹ ²

A Published Price Range vs a Published Limit

TechInsurance says you can apply online, usually get a certificate the same day you buy, and reports a median of $257 a month (about $750 to more than $14,000 a year). The Hartford publishes no price but caps EPL at $25,000 on Spectrum policies. You can budget with TechInsurance’s figures; with The Hartford, check whether $25,000 is enough for your workforce. ¹ ²

What Should You Confirm in TechInsurance and The Hartford Employment Practices Liability Insurance Quotes?

Ask TechInsurance which insurer issues your policy; The Hartford’s Spectrum EPL is issued by Hartford Underwriters Insurance Company. ¹ ²
If you operate in California, Minnesota, North Dakota or New York, ask The Hartford what EPL it can write there. ²
Compare TechInsurance’s actual quote with its $257 median, and The Hartford’s limit and retention. ¹ ²
Ask TechInsurance whether its policy, typically claims-made, includes third-party claims and wage-and-hour defense, both of which The Hartford’s BOP includes. ² ¹

TechInsurance vs The Hartford Employment Practices Liability Compared

TechInsurance vs The Hartford: Employment Practices Liability Insurance: documented features by provider

Criteria	TechInsurance Employment Practices Liability Insurance (EPLI)	The Hartford Employment Practices Liability Insurance (EPLI)
Limits and Retentions	TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ¹Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.	The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. ²Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.
Who It’s For	TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. ¹Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.	The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. ²Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).
Coverage Features	TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. ¹Company-reported. EPLI product page; general policy description, not a specific policy form.	The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ²Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. ¹Company-reported. EPLI product page.	The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ²Company-reported. EPLI product page as read 2026-09-23.