Gallagher Employment Practices Liability Insurance

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ¹Company-reportedGroup-level executive-and-financial-risk practice page.

The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ¹Not publicly disclosedChecked the group-level executive-and-financial-risk practice page.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ¹Company-reportedGroup-level executive-and-financial-risk practice page.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ¹Company-reportedGroup-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ¹Not publicly disclosedChecked the group-level executive-and-financial-risk practice page.

Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ¹Company-reportedGroup-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.