--- title: "AIG vs RiskCube: Employment Practices Liability Insurance" description: "AIG describes EPL coverage examples and applications; RiskCube frames EPLI around claims from current or former employees during startup hiring and growth." canonical: "https://spot.insure/compare/aig-vs-riskcube/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-riskcube" provider-a: "aig" provider-b: "riskcube" coverage-line: "employment-practices" --- 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/compare/aig-vs-riskcube/employment-practices) ## Agent Guide **What this page is:** Focused comparison of AIG and RiskCube for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about AIG versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs RiskCube for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, AIG or RiskCube? - What does AIG or RiskCube publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from AIG or RiskCube? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: AIG and RiskCube. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-beazley/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line) # AIG vs RiskCube: How Do They Compare for Employment Practices Liability Insurance? AIG describes EPL coverage examples and applications; RiskCube frames EPLI around claims from current or former employees during startup hiring and growth. ## Research Scope and Use Use this comparison to evaluate AIG and RiskCube for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary RiskCube positions EPLI for startups hiring or rapidly scaling and lists claims by current and former employees; AIG includes private firms, nonprofits, and financial institutions among application audiences. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is AIG? AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Startup Hiring and Applicant Fit RiskCube describes EPLI as relevant to startups hiring their first employees or scaling a team rapidly and lists claims by current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. AIG presents Employment Edge for employers and also lists applications for private companies, nonprofits, and financial institutions, without a startup-specific threshold. An early-stage company should ask RiskCube how its catalogue route translates into a quote; AIG applicants should confirm their entity type and hiring profile with underwriting. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") ### Product Detail and Limit Terms AIG’s overview names common employment allegations and describes risk-management expertise, but does not publish limits or retentions. RiskCube’s catalogue identifies the EPLI line but directs its Learn More link to a general contact form rather than a detailed EPL application page, and its reviewed pages also omit limits. Buyers should request an actual policy proposal from either provider and compare the full definitions, exclusions, and retention instead of relying on the short descriptions. [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask RiskCube which insurer and form it can place and what application information is required for EPLI. [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") - Ask AIG for written limits, retention, and the risk-management services included with the proposal. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") ## Offering Details | Criteria | AIG Employment Practices Liability Insurance | RiskCube Employment Practices Liability Insurance | | --- | --- | --- | | Role in This Line | AIG markets Employment Edge and employment-practices liability options within its Financial Lines portfolio. A particular quote may use a standalone or package form; confirm the named insurer and form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail..) | | Who It’s For | AIG presents Employment Edge for employers and also lists EPL applications for private companies, nonprofits and financial institutions. The public page does not state a complete eligibility or jurisdiction schedule. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) | | Coverage Features | AIG describes protection against specified employment-practices claims, including discrimination, harassment and wrongful-retaliation allegations. The cited page’s examples are not a grant of buyer-specific policy coverage. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or endorsement list was found for this line..) | | Limits and Retentions | No buyer-specific limit, retention or deductible can be determined from the public overview. Confirm those values and any sublimits in the quote and issued policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) | | Risk Services | AIG describes underwriting, claims and risk-management expertise for employment-practices exposures. Its product resources include applications and loss-prevention material; account-specific service is not specified. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. [8](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) - [AIG vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/fiduciary) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) - [AIG vs Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) - [AIG vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/employment-practices) - [AIG vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-aon/employment-practices) - [AIG vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/employment-practices) - [AIG vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-beazley/employment-practices) - [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [Employment Practices Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/employment-practices-liability). AIG; Official AIG Employment Practices Liability page: Employment Edge product, covered employment-claim categories, employer audience, policy options, risk-management and claims services; see its linked forms and policy caveat.. Accessed 2026-09-30. ### RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23. 8. [Contact RiskCube](https://riskcubeai.com/insurance/epli). RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## RiskCube Reviews Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-riskcube/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)