Cowbell Employment Practices Liability Insurance

Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. ^1,2Company-reportedManagement liability page intro and module list; Zurich page module-name section.

Cowbell and Zurich both say the Select Plus modules, including EPL, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this EPL module. ^1,2Company-reportedManagement liability page intro; Zurich page intro and footer.

Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. ¹Company-reportedFAQ 'What size accounts are targeted?' and Target industries list.

Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ¹Company-reportedFAQ 'What is the difference between management liability and D&O?'.

Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. ¹Company-reportedFAQ 'What is the most common management liability claim?'.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. ^1,2Not publicly disclosedCowbell page and Zurich page, both read on 2026-09-23.

This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ¹Company-reportedFAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.