Travelers vs 
USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance?
Travelers insures EPL within its Management Liability portfolio and sells coverage through independent agents. USI Insurance Services brokers EPL for small and midsize businesses and offers risk-management services through Business Services.
Travelers sells its own EPL policy, alone or with other management covers, to nonprofits, financial institutions and private or public companies through an independent agent; USI is a broker for services firms such as janitorial and staffing companies that shops EPL and checks your current policy for gaps. 1,2,3
What Are the Key Differences Between Travelers and USI Insurance Services Employment Practices Liability Insurance?
Insurer Through Your Agent vs Broker for Services Firms
Travelers underwrites EPL in its Management & Professional Liability line, standalone or with other management covers, for financial institutions, nonprofits, private companies and public companies; you buy through a Travelers independent agent. USI does not underwrite: its Business Services practice places EPL for building maintenance, repair, janitorial, staffing and printing firms, and ExecuSafe reviews existing EPL for small and mid-sized businesses. Choose Travelers if you already work with an independent agent and want a known insurer; choose USI if you run a services firm and want a broker to shop or audit your cover. 1 2 3
What a Claim Can Cost
Travelers cites example employment settlements from $45,000 to $280,000 as risk context, not policy terms. Neither publishes EPL limits or retentions, so use those figures to judge whether a quoted limit is enough. 1 2 3
What Should You Confirm in Travelers and USI Insurance Services Employment Practices Liability Insurance Quotes?
- Ask Travelers which of its companies issues the policy and whether EPL is standalone or packaged. 1
- Ask both for the limit, retention and whether defense costs reduce the limit. 1 3
- Ask USI whether you are a Business Services placement or an ExecuSafe review, and which insurer it proposes. 2 3
- Check that wrongful termination, discrimination, harassment and retaliation are all on each form. 1 2
Travelers vs USI Insurance Services Employment Practices Liability Compared
Travelers vs USI Insurance Services: Employment Practices Liability Insurance: documented features by provider
| Criteria | Travelers Employment Practices Liability Insurance (EPL) | USI Employment Practices Liability Brokerage |
|---|---|---|
| Who It’s For | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 1Company-reported. Product page "Who is this right for?" 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. 2,3Company-reported. Company description of client segments for each source. |
| How to Apply | EPL coverage is bought through a Travelers independent agent. 1Company-reported. Product page "Find an insurance agent" call to action. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 2,3Company-reported. Contact instructions on each page. |
| Coverage Features | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 1Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. | 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. 2,3Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Role in This Line | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 1Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance 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. 2,3Company-reported. Business Services catalogue and ExecuSafe article. |
