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

Beazley insures EPL and advertises limits up to US $20 million, while RiskCube's catalogue describes workplace-allegation protection and calls EPLI critical for employers.

Beazley tells you far more before you apply: it underwrites EPL itself, posts applications and publishes sublimits and risk-management tools. RiskCube lists EPLI for startups but sends you to a general contact form with no limits or EPL-specific steps. ^1,³

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

Insurer With Published Applications vs Broker Catalogue Card

Beazley underwrites EPL as a standalone product and inside its ExecuGuard package, and links downloadable EPL and staffing applications so you can see what it asks before you apply. RiskCube is a brokerage that doesn't underwrite; its catalogue card names termination, discrimination, harassment and retaliation claims but publishes no limits or dedicated application. Choose RiskCube if you're a startup that wants a broker to shop EPLI for you; go to Beazley's forms, through your broker, if you want to see the terms up front. ¹ ² ³ ⁴

Documented Sublimits vs No Coverage Detail

Beazley documents a choice between duty-to-defend and pay-on-behalf wording, industry-specific wordings, immigration and OSHA defense sublimits, and a wage-and-hour defense-costs sublimit. RiskCube's card doesn't address any of these. With Beazley you know up front that a wage-and-hour suit gets defense costs only up to a sublimit; with RiskCube you'll find out from the quote. ¹ ³

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

Ask RiskCube which insurer would issue the EPLI policy and whether Beazley is among the markets it can reach. ³ ¹
Get limits and retentions from both; only Beazley publishes an advertised maximum, $20 million. ¹ ³
Ask how wage-and-hour, immigration and third-party claims are handled, which Beazley lists and RiskCube's card doesn't. ¹ ³
Ask RiskCube what information it needs from you, since its EPLI link doesn't describe an application. ⁴

Beazley vs RiskCube Employment Practices Liability Insurance Compared

Beazley vs RiskCube: Employment Practices Liability Insurance: documented features by provider

Criteria	Beazley Employment Practices Liability	RiskCube Employment Practices Liability Insurance
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. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.	RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.
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.	RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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.	RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

Criteria

Beazley Employment Practices Liability

RiskCube Employment Practices Liability Insurance

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. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.

RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

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.

RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.