TechInsurance vs WTW: How Do They Compare for 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. ⁴Company-reported. EPLI product page.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹⁰Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

The reviewed page does not name the issuing insurer for an EPLI policy. ⁴Not publicly disclosed. EPLI product page as read on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific employment practices placement. ^10,9Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ⁴Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.

Confirm in your quote.

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. ⁴Company-reported. EPLI product page; general policy description, not a specific policy form.

WTW's FY2024 annual report lists employment-practices liability insurance among its FINEX solutions. ⁹Company-reported. Historical group-level service description only; current U.S. placement, insurer, policy wording, and buyer eligibility are not established.

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. ⁴Company-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 reviewed sources do not state a buyer-specific employment practices limit, retention, or deductible. ^10,9Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

Confirm in your quote.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹⁰Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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. ⁴Company-reported. EPLI product page.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹⁰Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.