---
title: "Compare Employment Practices Liability Insurance Quotes"
description: "Compare EPLI quotes with Spot: retentions, shared limits, defense and settlement control, third-party claims and excluded costs across every proposal."
canonical: "https://spot.insure/insurance/employment-practices/compare-quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/employment-practices/compare-quotes)

## Agent Guide

**What this page is:** Compare EPLI quotes with Spot: retentions, shared limits, defense and settlement control, third-party claims and excluded costs across every proposal.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Compare employment practices liability insurance quotes with Spot

EPLI quotes differ on who controls your defense and what they leave out, so Spot puts those terms next to each other before you pick.

- Defense control and settlement consent laid out per quote
- Shared limits, retentions and excluded costs flagged
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=comparison&coverage=employment-practices&icp=small-business)

## How it works

- **Share the proposals and your team details.** Send the quotes along with headcount, locations, contractors and any recent or planned layoffs, so each proposal is judged on the same workforce.
- **We compare how a claim would run.** Spot sets out each quote’s retention, limit, defense spending rules, counsel selection and consent requirements.
- **Ask what you’d bear.** If you’d rather decline a recommended settlement, ask your Spot team what extra cost each quote could leave with you. They bring the answer back to your Slack channel.
- **Choose and bind.** Pick the quote that fits your workforce and how you’d handle a claim. Your Spot team helps you bind and keeps the policy on file for when a claim notice arrives.

## What to compare

- **Retention.** How much your business pays before coverage responds, and whether it differs by type of claim.
- **Shared limits.** Whether another coverage shares the same limit, such as in a management liability package.
- **Defense spending.** Whether legal spending reduces the limit left for a settlement or judgment.
- **Choice of counsel.** Who selects the lawyer and whether a preferred employment lawyer can handle a covered claim.
- **Consent and settlement.** Which decisions need insurer consent and what additional cost you could bear if you decline a recommended settlement.
- **Third-party claims.** Whether discrimination or harassment claims by customers or other nonemployees are covered.
- **Restricted costs.** How wage-and-hour disputes, contractual payments, benefit obligations and punitive damages are treated.

## Differences to watch for

- **Wage-and-hour assumed to be in.** These disputes are often limited or excluded. Don’t assume a quote pays them.
- **Defense that eats the limit.** A long defense leaves less for any settlement or judgment when spending counts against the limit.
- **No third-party protection.** A quote built for employees only won’t respond to a customer’s harassment complaint.
- **Settlement disagreement.** Declining a settlement the insurer recommends can leave extra costs with you. Read that clause before you bind.

## Coverage

- [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes)

## Common questions

### What should I compare besides price?

Retentions, shared limits, defense spending and who controls the defense. Spot lines those up for each quote.

### Can I use my own employment lawyer?

That depends on the quote. Spot highlights each proposal’s counsel rules so you know before a claim.

### Can EPLI come as part of a bigger package?

Yes, as part of management liability. Spot shows how limits are shared across the parts.

### Do I need to leave my broker?

No. Spot works with brokers instead of replacing them, and takes no commissions on premiums.

## More

- [Compare quotes](https://spot.insure/compare-insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/employment-practices/compare-quotes.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)