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

Beazley insures EPL with limits up to US $20 million; HUB International brokers EPL and offers specialist claims support while flagging pay-transparency law changes.

Beazley insures EPL directly, with limits up to $20 million, its own employment claims team and BeazleySure HR training and hotline included. HUB brokers EPL through its ProEx practice and puts an attorney-staffed claims group on your side from policy wording to recovery. ^1,³

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

One Insurer vs a Broker Who Shops Several

Beazley writes EPL itself, on its own or inside ExecuGuard with D&O and fiduciary. HUB's ProEx practice brokers EPL and says it places over $2 billion in premium with insurers it doesn't name. With Beazley you know who pays a claim; with HUB you get a choice of insurers but must ask who's on the quote. Choose Beazley if you want one known insurer and bundled HR tools; choose HUB if you want a broker to shop EPL alongside your other executive-risk lines. ¹ ² ³

Who Helps When an Employee Sues

Beazley has dedicated employment claims staff, led by an EPL claims specialist, who work with outside employment lawyers. HUB's Claims & Legal Risks Group is attorneys who specialize in its executive-risk coverages, from reviewing wording before a claim through recovery. Beazley handles the claim as the insurer; HUB advocates for you with whichever insurer it placed. ¹ ³

Prevention Tools

Beazley includes BeazleySure with the policy: sexual harassment training, a phone hotline, wage-and-hour tutorials and model policies in English and Spanish. HUB lists analytics, litigation support and risk-management services but no specific HR tools. ¹ ³

How You Apply

Beazley posts downloadable ExecuGuard, EPL renewal and staffing applications, with no online quote. HUB asks you to contact a ProEx specialist. ¹ ³

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

Ask HUB which insurers it will approach and which one issues the policy. ³
Compare Beazley's $20 million maximum with the limit and retention on a HUB-placed quote. ¹ ³
Ask Beazley for the wage-and-hour defense sublimit, and ask HUB how 2026 pay-transparency claims are treated on the placed form. ¹ ³

Beazley vs HUB International Employment Practices Liability Compared

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

Criteria	Beazley Employment Practices Liability	HUB International Employment Practices Liability Insurance Brokerage
How to Apply	Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. ¹Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.	HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ³Company-reported. ProEx page call to action.
Coverage Features	The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ¹Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ¹Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.	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. ³Company-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	Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^1,²Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular 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. ³Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.
Risk Services	EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. ¹Company-reported. EPL product page service description; actual entitlements depend on the policy purchased.	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. ³Company-reported. ProEx page team and services description; not specific to a single EPL engagement.
Claims Support	Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. ¹Company-reported. EPL product page team listing; claims-handling quality is not independently assessed.	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. ³Company-reported. ProEx page claims and legal support section.