Alliance Risk vs HUB International Employment Practices Liability Insurance

Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ³Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ⁸Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. ³Not publicly disclosed. EPLI product page as read on 2026-09-23.

No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. ⁸Not found in reviewed sources. Checked the ProEx page on 2026-09-23.

Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ³Company-reported. EPLI product page; eligibility for a particular company depends on underwriting.

Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ⁴Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.

The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. ⁸Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria.

Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ³Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.

HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ⁸Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. ³Company-reported. EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company.

Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. ⁴Company-reported. Management liability page's discussion of bundled D&O, EPLI and fiduciary programs.

Published EPL policy limits or retentions were not found on the ProEx page. ⁸Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations.

Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. ³Company-reported. EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee.

HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ⁸Company-reported. ProEx page team and services description; not specific to a single EPL engagement.

For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. ³Company-reported. EPLI product page, Get your EPLI risk review section.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ⁸Company-reported. ProEx page call to action.

The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. ³Not found in reviewed sources. EPLI product page as read on 2026-09-23.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁸Company-reported. ProEx page claims and legal support section.