--- title: "Cowbell Employment Practices Liability Insurance" description: "What Cowbell Employment Practices Liability Insurance covers, who it’s for, and how to apply, cited to public sources." canonical: "https://spot.insure/insurance-providers/cowbell/employment-practices" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/cowbell/employment-practices) # 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the most common management liability claim?'.) ## Limits and Retentions - **Not publicly disclosed.** Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Scope: Cowbell page and Zurich page, both read on 2026-09-23.) ## 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.) ## Cowbell Employment Practices Liability Insurance Compared - [Cowbell vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-cowbell/employment-practices) - [Cowbell vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-cowbell/employment-practices) - [Cowbell vs Beazley](https://spot.insure/compare/beazley-vs-cowbell/employment-practices) - [Cowbell vs CFC](https://spot.insure/compare/cfc-vs-cowbell/employment-practices) - [Cowbell vs Chubb](https://spot.insure/compare/chubb-vs-cowbell/employment-practices) - [Cowbell vs Coalition](https://spot.insure/compare/coalition-vs-cowbell/employment-practices) ## Other Cowbell Coverage Lines - [Cowbell Crime Insurance](https://spot.insure/insurance-providers/cowbell/crime) - [Cowbell Cyber Insurance](https://spot.insure/insurance-providers/cowbell/cyber) - [Cowbell D&O Insurance](https://spot.insure/insurance-providers/cowbell/directors-officers) - [Cowbell Fiduciary Liability Insurance](https://spot.insure/insurance-providers/cowbell/fiduciary) - [Cowbell Management Liability Insurance](https://spot.insure/insurance-providers/cowbell/management-liability) - [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions) ## Related - [Cowbell Profile](https://spot.insure/insurance-providers/cowbell) - [Cowbell Reliability](https://spot.insure/insurance-providers/cowbell/reliability) - [Cowbell Alternatives](https://spot.insure/insurance-providers/cowbell/alternatives) - [Coverage Guide: Employment practices liability](https://spot.insure/coverage/employment-practices) ## Sources 1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). 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. 2. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/cowbell/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)