---
title: "Chubb vs Founder Shield Employment Practices Liability Insurance"
description: "Chubb underwrites ForeFront EPL on Federal Insurance Company paper; Founder Shield brokers EPLI only with AM Best A- or better carriers."
canonical: "https://spot.insure/compare/chubb-vs-foundershield/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-foundershield/employment-practices)

# Chubb vs Founder Shield Employment Practices Liability Insurance

Chubb underwrites ForeFront EPL on Federal Insurance Company paper; Founder Shield brokers EPLI only with AM Best A- or better carriers.

## Research Scope and Use

Use this comparison to evaluate Chubb and Founder Shield 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

Chubb writes EPL as a ForeFront part issued by Federal Insurance Company, including ChubbWorks and independent-contractor claimants. Founder Shield, the innovation arm of The Baldwin Group, places EPLI with third-party A- or better carriers for first-hire startups, high-turnover retail and hospitality, professional services, technology companies and non-profits with volunteers. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [12](https://foundershield.com/about-us/ "About Us") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Founder Shield Insurance?

Founder Shield is a commercial insurance broker for venture-backed and growing businesses. Buyers can request coverage through its online portal and work with advisors on insurer selection, policy changes and claims reporting. [6](https://foundershield.com/ "Founder Shield") [7](https://apx.foundershield.com/ "Quote Portal") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [9](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [10](https://foundershield.com/claims/ "Claims")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [13](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Named Chubb Paper Versus Shopped A-Rated Markets

Chubb underwrites ForeFront EPL and names Federal Insurance Company and U.S. Chubb affiliates as providers. Founder Shield places EPLI with third-party carriers rated A- or better by AM Best, matched to industry appetite, and does not name the issuing insurer for this line. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [12](https://foundershield.com/about-us/ "About Us")

### Audience

Chubb aims the coverage part at private companies, not-for-profits and healthcare organizations. Founder Shield markets EPLI to startups hiring their first employees, retail and hospitality with high turnover, professional-services firms, technology companies, and non-profits with volunteers. Founder Shield says EPLI is often purchased standalone but is sometimes packaged with D&O; Chubb places EPL through ForeFront via an appointed agent or broker. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance")

### Coverage Lists

Chubb describes independent-contractor claimants, early-engagement expense, duty-to-defend optionality and ChubbWorks. Founder Shield lists defense costs, settlements and judgments, and claims of wrongful termination, discrimination, harassment and retaliation. Neither reviewed Chubb sheet nor Founder Shield page publishes a specific EPL dollar limit. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance")

### How You Request a Quote

You buy Chubb ForeFront EPL through an appointed agent or broker. You request Founder Shield EPLI through its website or an advisor; the placement team then approaches carriers. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [12](https://foundershield.com/about-us/ "About Us") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask Founder Shield whether Chubb ForeFront is among the A-rated markets it will approach. [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")
- Confirm standalone versus D&O-packaged EPLI at Founder Shield versus ForeFront scheduling at Chubb. [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio")
- Ask both how independent contractors and wage-and-hour are treated. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance")
- Get limits and the issuing company in writing. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

## Offering Details

| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Founder Shield Employment Practices Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: ForeFront Portfolio EPL product sheet..) | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Employment Practices Liability Insurance with third-party carriers rather than underwriting the policy itself. [12](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..)<br><br>Founder Shield says EPLI is often purchased standalone but is sometimes packaged with Directors & Officers coverage, since employee-related suits frequently name corporate officers personally. [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: EPLI product page..) |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy..) | Founder Shield says it places policies, including Founder Shield Employment Practices Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) |
| Who It’s For | Not described in the reviewed sources. | Founder Shield markets EPLI to startups hiring their first employees, retail and hospitality businesses with high turnover, professional-services firms, technology companies, and non-profits with volunteers. [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: EPLI product page..) |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list..) | Founder Shield lists defense costs, settlements and judgments, and claims of wrongful termination, discrimination, harassment and retaliation as what EPLI responds to. [11](https://foundershield.com/coverage/employment-practices-liability-insurance/ "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Not found in reviewed sources; scope: Claims Scenarios section; illustrative examples, not policy terms..) | Not described in the reviewed sources. |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; company-described service program..) | Not described in the reviewed sources. |
| How to Apply | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally..) | You request Founder Shield Employment Practices Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [12](https://foundershield.com/about-us/ "About Us") [8](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Full Comparison

- [Chubb vs Founder Shield](https://spot.insure/compare/chubb-vs-foundershield): 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.
- [Chubb vs Founder Shield Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-foundershield/cargo-transit)
- [Chubb vs Founder Shield Commercial Property Insurance](https://spot.insure/compare/chubb-vs-foundershield/commercial-property)
- [Chubb vs Founder Shield Crime Insurance](https://spot.insure/compare/chubb-vs-foundershield/crime)
- [Chubb vs Founder Shield Cyber Insurance](https://spot.insure/compare/chubb-vs-foundershield/cyber)
- [Chubb vs Founder Shield D&O Insurance](https://spot.insure/compare/chubb-vs-foundershield/directors-officers)
- [Chubb vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/fiduciary)
- [Chubb vs Founder Shield General Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/general-liability)
- [Chubb vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-foundershield/professional-errors-omissions)
- [Chubb vs Founder Shield Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-foundershield/representations-warranties)
- [Chubb vs Founder Shield Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-foundershield/umbrella-excess)
- [Chubb vs Founder Shield Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-foundershield/workers-compensation)
- [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices)
- [Alliance Risk vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/employment-practices)
- [Amelia Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/employment-practices)
- [Amelia Risk vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/employment-practices)
- [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices)
- [Beazley vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-foundershield/employment-practices)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [The ForeFront Portfolio — Employment Practices Liability Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf). Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. Accessed 2026-09-23.

### Founder Shield

6. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
7. [Quote Portal](https://apx.foundershield.com/). Founder Shield; Public landing screen, Create Account and Sign In links. Accessed 2026-09-15.
8. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
9. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
10. [Claims](https://foundershield.com/claims/). Founder Shield; Our Approach; How We Support Claims Management, steps 1–5; Make a claim link. Accessed 2026-09-15.
11. [Employment Practices Liability Insurance](https://foundershield.com/coverage/employment-practices-liability-insurance/). Founder Shield; What Is EPL Insurance?; Who Needs EPL Insurance Coverage?; What Does EPL Insurance Cover?. Accessed 2026-09-23.
12. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

13. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-foundershield/employment-practices.md)
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