Chubb vs Embroker Employment Practices Liability Insurance

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. ⁴Company-reported. ForeFront Portfolio EPL product sheet.

Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). ⁹Company-reported. Product-page description; not a statement about the 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. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

Not described in the reviewed sources.

Not described in the reviewed sources.

Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. ⁹Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business.

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. ⁴Company-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. ⁴Company-reported. Coverage Highlights list.

Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. ⁹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. ⁹Company-reported. Product-page What's not included section.

Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. ⁹Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ⁴Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms.

Not described in the reviewed sources.

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. ⁴Company-reported. Coverage Highlights list; company-described service program.

Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. ⁹Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ⁵Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.

Embroker offers an online quote for EPLI through its digital platform. ⁹Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.