TechInsurance vs USI Insurance Services Employment Practices Liability Insurance

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. ³Company-reported. EPLI product 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. ^7,8Company-reported. Business Services catalogue and ExecuSafe article.

The reviewed page does not name the issuing insurer for an EPLI policy. ³Not publicly disclosed. EPLI product page as read on 2026-09-23.

Neither page names the insurer USI uses for EPL placements. ⁷Not publicly disclosed. Pages as read on 2026-09-23.

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. ³Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.

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. ^7,8Company-reported. Company description of client segments for each source.

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. ³Company-reported. EPLI product page; general policy description, not a specific policy form.

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. ^7,8Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

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. ³Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

Neither page publishes EPL limit or retention figures. ⁷Not publicly disclosed. Pages as read on 2026-09-23.

Not described in the reviewed sources.

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. ^7,8Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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. ³Company-reported. EPLI product page.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^7,8Company-reported. Contact instructions on each page.