Travelers vs 
USI Insurance Services Employment Practices Liability Insurance
Travelers underwrites EPL through independent agents; USI brokers EPL and runs ExecuSafe gap reviews for SMBs.
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 1,2,3
What Is USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 5,6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Carrier Versus Broker
Travelers underwrites EPL inside its Management & Professional Liability line, standalone or beside other management coverages. USI does not underwrite: it brokers EPL individually or reviews it as part of ExecuSafe, a management-liability check for small- and medium-sized businesses. 4 9 8
Who the Issuing Company Is
Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property-casualty affiliates, with the specific issuer able to vary by policy. USI’s Business Services and ExecuSafe pages do not name the insurer used for EPL placements. 4 8 9
Audience and How You Buy
Travelers markets EPL to financial institutions, nonprofits, private companies and public companies, and you buy it through a Travelers independent agent. USI’s practice that lists EPL is built around building and maintenance, repair, janitorial, staffing and printing firms, with ExecuSafe aimed at SMBs generally; inquiries go to a published email inbox, a local office, or a separate ExecuSafe inbox. 4 8 9
Published Limits
Neither side publishes EPL limits or retentions on the reviewed pages. Travelers cites illustrative settlements from $45,000 to $280,000 as risk context, not as policy terms. USI’s pages are silent on dollar figures. 4 8 9
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask Travelers which entity will issue the policy and whether EPL is standalone or packaged with other management lines. 4
- Get limit, retention and defense-inside-the-limit treatment from both quotes; neither public page states them as policy terms. 4 9
- Confirm with USI whether you are a Business Services placement or an ExecuSafe review, and which carrier paper they propose. 8 9
- Match claim types on the form (wrongful termination, discrimination, harassment, retaliation) against the Travelers description and USI’s placement language. 4 8
Offering Details
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 |
|---|---|---|
| Role in This Line | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 4Company-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. 8,9Company-reported. Business Services catalogue and ExecuSafe article. |
| Issuing Insurer | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 4Company-reported. Product page video legal footer. | Neither page names the insurer USI uses for EPL placements. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Who It’s For | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 4Company-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. 8,9Company-reported. Company description of client segments for each source. |
| Coverage Features | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 4Company-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. 8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 4Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. | Neither page publishes EPL limit or retention figures. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | 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. 8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | EPL coverage is bought through a Travelers independent agent. 4Company-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. 8,9Company-reported. Contact instructions on each page. |
Full Comparison
More Travelers vs USI Insurance Services Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
