Chubb vs Coalition: How Do They Compare for Employment Practices Liability Insurance?

Chubb insures EPL and builds defense provisions into its form; Coalition distributes EPL through Executive Risks with limits up to $10 million per claim.

Coalition publishes EPL limits up to $10 million but caps eligibility at 1,000 employees and $500 million in assets; Chubb's ForeFront EPL states no size cap and covers healthcare organizations too. Both are sold only through a broker or agent. ^1,^4,³

What Are the Key Differences Between Chubb and Coalition Employment Practices Liability Insurance?

Size Caps at Coalition, Healthcare at Chubb

Coalition's Executive Risks, including EPL, are open to US private and nonprofit organizations in all 50 states and D.C. with up to 1,000 employees, $500 million in assets and $500 million in plan assets. Chubb aims ForeFront EPL at private companies, nonprofits and healthcare organizations and states no headcount cap. Choose Coalition if you fit under its caps and want a published limit to plan around; choose Chubb if you have more than 1,000 employees or run a healthcare organization. ³ ¹

Both Sell EPL as Part of a Suite Through Brokers

Chubb sells EPL as one of seven ForeFront Portfolio parts through appointed agents and brokers. Coalition sells EPL as one of four Executive Risks coverages through appointed brokers only. You cannot buy either online; you will need a broker, and the other covers offered alongside EPL differ. ¹ ² ³

HR Help Included

Chubb gives EPL policyholders ChubbWorks, a free online library of employment loss-prevention tools. Coalition gives a customized risk assessment, an HR hotline, employee training and a handbook builder. If you have no HR team, Coalition's hotline and handbook builder are the more hands-on help. ¹ ³

What Should You Confirm in Chubb and Coalition Employment Practices Liability Insurance Quotes?

Ask which company issues the policy. Chubb uses Federal Insurance Company or a Chubb affiliate; Coalition uses Zurich on standard (admitted) placements and unaffiliated insurers on surplus-lines placements. ¹ ⁴
Coalition advertises up to $10 million per line; ask your broker for the EPL limit on the Chubb quote. ³ ¹
If you use contractors, ask whether their claims are covered on each form. ¹ ³
Ask whether you must buy other ForeFront or Executive Risks parts to get EPL. ² ³

Chubb vs Coalition Employment Practices Liability Insurance Compared

Chubb vs Coalition: Employment Practices Liability Insurance: documented features by provider

Criteria	Chubb ForeFront Portfolio Employment Practices Liability Insurance	Coalition Executive Risks — Employment Practices Liability (EPL)
How to Apply	Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ²Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.	Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. ³Company-reported. Executive Risks product page as read on 2026-09-23.
Coverage Features	Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. ¹Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. ¹Company-reported. Coverage Highlights list.	Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. ³Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.
Role in This Line	Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. ¹Company-reported. ForeFront Portfolio EPL product sheet.	Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ³Company-reported. Executive Risks product page as read on 2026-09-23.
Issuing Insurer	Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ¹Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.	Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. ⁴Company-reported. U.S. Disclaimers page as read on 2026-09-23.
Risk Services	Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ¹Company-reported. Coverage Highlights list; company-described service program.	Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. ³Company-reported. Executive Risks page and FAQ as read on 2026-09-23.