Amelia Risk vs HUB International Employment Practices Liability Insurance

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. ⁴Company-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. ¹²Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

The reviewed pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. ⁴Not publicly disclosed. EPL product page, checked 23 September 2026.

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. ¹²Not found in reviewed sources. Checked the ProEx page on 2026-09-23.

Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. ⁴Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement.

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. ¹²Not 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.

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. ⁴Company-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. ¹²Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

Not described in the reviewed sources.

Published EPL policy limits or retentions were not found on the ProEx page. ¹²Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations.

The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

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. ¹²Company-reported. ProEx page team and services description; not specific to a single EPL engagement.

Not described in the reviewed sources.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ¹²Company-reported. ProEx page call to action.

The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. ⁴Not found in reviewed sources. EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific.

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. ¹²Company-reported. ProEx page claims and legal support section.