---
title: "Beazley vs HUB International Employment Practices Liability Insurance"
description: "Beazley underwrites EPL with dedicated claims staff and BeazleySure; HUB ProEx brokers EPL with an attorney-staffed claims group."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs HUB International Employment Practices Liability Insurance

Beazley underwrites EPL with dedicated claims staff and BeazleySure; HUB ProEx brokers EPL with an attorney-staffed claims group.

## Research Scope and Use

Use this comparison to evaluate Beazley and HUB International 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

Beazley underwrites EPL and includes BeazleySure plus named employment claims personnel. HUB International brokers EPL inside ProEx and describes a Claims & Legal Risks Group of attorneys from pre-claim wording review through recovery. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Who Underwrites Versus Who Brokers

Beazley underwrites employment practices liability as a standalone product or inside ExecuGuard. HUB International’s ProEx practice brokers executive-liability lines, including EPL, and says it places over $2 billion of ProEx premium with carriers it calls top-rated. HUB’s reviewed sources do not name those carriers. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Claims Staffing

Beazley names dedicated employment claims personnel, including an EPL claims focus-group leader, who work with outside employment lawyers. HUB describes a Claims & Legal Risks Group staffed by attorneys who specialize in ProEx coverages, including EPL, from pre-claim wording review through claim recovery. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Risk-Management Services

Beazley includes BeazleySure with the EPL policy: sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies in English and Spanish. HUB says the ProEx team that lists EPL provides analytics, litigation support and risk-management services under a named practice leader. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### How You Request Coverage

Beazley lists downloadable ExecuGuard, EPL renewal and staffing applications and does not describe a self-service new-business quote. HUB directs EPL prospects to contact a ProEx specialist rather than an online bind flow. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask HUB which markets ProEx will submit and which carrier would issue the policy. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Compare Beazley’s advertised $20 million maximum with the limit on a HUB-placed quote. HUB’s reviewed sources do not publish EPL retentions. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask Beazley how wage-and-hour defense is sublimited, and ask HUB how 2026 pay-transparency laws are treated on the placed form. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Confirm who handles an EPL claim: Beazley’s employment claims personnel or HUB’s attorney group working with the issuing carrier. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Offering Details

| Criteria | Beazley Employment Practices Liability | HUB International Employment Practices Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL..) |
| Issuing Insurer | The EPL product page does not name the specific Beazley insurance entity that issues the policy. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Not found in reviewed sources; scope: EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer..) | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) |
| Who It’s For | Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant..) | 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria..) |
| 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page coverage description; exclusions and conditions are set by the issued policy..)<br><br>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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim..) |
| Limits and Retentions | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount or published retention..) | Published EPL policy limits or retentions were not found on the ProEx page. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations..) |
| 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single EPL engagement..) |
| 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) |
| 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## Full Comparison

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Beazley vs HUB International Commercial Property Insurance](https://spot.insure/compare/beazley-vs-hub-international/commercial-property)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [Beazley vs HUB International Cyber Insurance](https://spot.insure/compare/beazley-vs-hub-international/cyber)
- [Beazley vs HUB International D&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)
- [Beazley vs HUB International Fidelity Bonds](https://spot.insure/compare/beazley-vs-hub-international/fidelity-bonds)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability)
- [Beazley vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-hub-international/hired-non-owned-auto)
- [Beazley vs HUB International Management Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/management-liability)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Beazley vs HUB International Product Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/product-liability)
- [Beazley vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hub-international/professional-errors-omissions)
- [Beazley vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-hub-international/representations-warranties)
- [Beazley vs HUB International Tech E&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/technology-errors-omissions)
- [Beazley vs HUB International Telehealth Insurance](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth)
- [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices)
- [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices)
- [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices)
- [Beazley vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/employment-practices)
- [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/). Beazley; What we offer: employment law experts, superior claims handling, BeazleySure; How can we help: duty to defend/pay on behalf, industry-specific wordings, sublimits; Who we can help; Where is this offered: Worldwide; Tools & Resources. Accessed 2026-09-23.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

10. [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.

Updated 2026-09-23. 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.

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