TechInsurance vs 
Travelers: How Do They Compare for Employment Practices Liability Insurance?
TechInsurance arranges EPLI quotes for small businesses. Travelers insures EPL in its Management Liability portfolio and sells it through independent agents.
TechInsurance fits small businesses that want to apply online and check a published $257 monthly median first. Travelers is the insurer itself, sold through independent agents to a wider range of buyers, including public companies and financial institutions, with no published price. 1,2
What Are the Key Differences Between TechInsurance and Travelers Employment Practices Liability Insurance?
Online Application and Price vs Agent-Sold Insurer Policy
TechInsurance uses a short online application with licensed agents available, typically issues a certificate the same day, and reports a median of $257 per month. Travelers underwrites EPL itself, standalone or with other management-liability coverages, sold through independent agents, and publishes no premiums or limits, only example settlements of $45,000 to $280,000. Choose TechInsurance if you're a small business that wants to price EPLI yourself; choose Travelers if you're a public company, financial institution or nonprofit working with an agent. 1 2
Small Businesses Without HR vs Institutions and Public Companies
TechInsurance targets small businesses with a sizable workforce but no HR team, and lists discrimination, harassment, wrongful termination, negligent benefits handling, breach of contract and invasion of privacy on a typically claims-made form, optionally bundled with D&O. Travelers markets EPL to financial institutions, nonprofits, private and public companies, listing wrongful termination, discrimination, harassment and retaliation. TechInsurance's published list is longer; ask Travelers about benefits, contract and privacy claims. 1 2
What Should You Confirm in TechInsurance and Travelers Employment Practices Liability Insurance Quotes?
- Ask TechInsurance which insurer issues its policy; Travelers names Travelers Casualty and Surety Company of America and affiliates. 1 2
- Compare TechInsurance's quoted premium with its published median; get Travelers' premium, limit and retention from your agent. 1 2
- Ask whether each form is claims-made and whether D&O is packaged in. 1 2
- Check that your organization type fits Travelers' financial-institution, nonprofit, private or public list. 2 1
TechInsurance vs Travelers Employment Practices Liability Compared
TechInsurance vs Travelers: Employment Practices Liability Insurance: documented features by provider
| Criteria | TechInsurance Employment Practices Liability Insurance (EPLI) | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 2Company-reported. Product page "Who is this right for?" section. |
| How to Apply | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 1Company-reported. EPLI product page. | EPL coverage is bought through a Travelers independent agent. 2Company-reported. Product page "Find an insurance agent" call to action. |
| 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. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 2Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| 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. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 2Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
