Cowbell Employment Practices Liability Insurance
Cowbell / Zurich Select Plus Employment Practices Liability
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-reported. Management liability page intro and module list; Zurich page module-name section.
Issuing Insurer
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-reported. Management liability page intro; Zurich page intro and footer.
Who It’s For
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-reported. FAQ 'What size accounts are targeted?' and Target industries list.
Coverage Features
Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. 1Company-reported. FAQ '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-reported. FAQ 'What is the most common management liability claim?'.
Limits and Retentions
How to Apply
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-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.
Cowbell Employment Practices Liability Insurance Compared
Other Cowbell Coverage Lines
Sources
- Management liability coverage for small & medium enterprises. Cowbell; FAQ 'What is the difference between management liability and D&O?' (EPL definition); FAQ 'What is the most common management liability claim?' (EPL claim types); Target industries list. Accessed 2026-09-23.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Employment Practices and Third-Party Discrimination Liability'; FAQ 'What is the difference between management liability and D&O?' and 'What is the most common management liability claim?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23.
