Amelia Risk vs HUB International: How Do They Compare for Employment Practices Liability Insurance?

Amelia Risk arranges EPL for startups and helps identify when to buy; HUB International highlights pay-transparency changes and offers specialist claims support through ProEx.

Amelia Risk is built for startups and tech employers buying their first EPL policy at five to ten employees. HUB places EPL through its ProEx practice, which it says handles over $2 billion in premium, and backs claims with an attorney-staffed legal group. ^1,⁶

What Are the Key Differences Between Amelia Risk and HUB International Employment Practices Liability Insurance?

First Policy for Startups vs a Large-Account Practice

Both firms broker EPL rather than insure it. Amelia Risk tells startups and tech employers to buy at five to ten employees and lists the claims a policy answers. HUB sells EPL inside ProEx, its executive-risk practice, which it says places over $2 billion in premium; its FAQ frames the topic around large organizations. You contact a ProEx specialist; there's no online quote. Choose Amelia Risk if you're a startup buying your first EPL policy; choose HUB if you're a larger employer buying EPL with D&O and fiduciary. ¹ ⁶

Published Coverage Detail

Amelia Risk lists the claim types EPL typically answers. HUB's page doesn't describe EPL coverage at all; it only flags 2026 pay-transparency laws as an EPL issue. With HUB you'll judge the terms from the quote, so ask for the form, limits and wage-and-hour sublimit up front. ¹ ⁶

Claims Help

HUB has a Claims & Legal Risks Group of attorneys who work on ProEx coverages, including EPL, from reviewing wording before a claim through recovery. Amelia Risk doesn't describe how it helps with an EPL claim, so ask who you'll call. ¹ ⁶

What Should You Confirm in Amelia Risk and HUB International Employment Practices Liability Insurance Quotes?

Ask HUB whether it takes a five-to-ten-employee startup, given its large-organization focus. ⁶ ¹
Ask how each quoted policy treats pay-transparency claims. ⁶ ¹
Ask Amelia Risk who handles your claim; HUB names an attorney team. ⁶ ¹
Ask both brokers which insurer will issue the policy. ⁶ ¹

Amelia Risk vs HUB International Employment Practices Liability Compared

Amelia Risk vs HUB International: Employment Practices Liability Insurance: documented features by provider

Criteria	Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage	HUB International Employment Practices Liability Insurance Brokerage
Coverage Features	Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. ¹Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations.	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. ⁶Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.
Role in This Line	Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. ¹Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy.	HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ⁶Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.