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

Chubb insures EPL and offers policyholder services; HUB International brokers employment-practices coverage, flags pay-transparency changes, and provides a specialist claims group.

Chubb shows you what its ForeFront EPL covers before you buy, including claims by independent contractors and early legal costs. HUB is a broker whose ProEx practice shops the line and gives you attorney-staffed claims support, but you won't see policy terms until it quotes. ^1,³

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

Published Policy Terms vs a Broker That Shops the Market

Chubb writes EPL itself as one of seven parts of its ForeFront Portfolio and publishes the key terms: claims by past, present and prospective employees and independent contractors, a broad wrongful-act definition and early-engagement expense cover. HUB brokers EPL as part of executive liability through ProEx, which it says places over $2 billion in premium, but shows no insuring agreements or exclusions. Choose Chubb if you use contractors and want to read the coverage before you commit; choose HUB if you want a broker to shop several insurers for you. ¹ ³

Insurer-Run Defense vs Lawyers on Your Broker's Team

Chubb lets you choose a duty-to-defend policy, where the insurer runs your defense, and its sheet also covers statute-of-limitations tolling requests. HUB's attorney-staffed Claims & Legal Risks Group works with you from pre-claim wording review through recovery, and it flags 2026 pay-transparency laws as a new EPL risk. ¹ ³

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

Ask HUB whether Chubb ForeFront is one of the markets it will approach. ³ ¹
Ask how 2026 pay-transparency laws are treated on the actual form. ³ ¹
Get EPL limits from both, and ask HUB to name the insurer; Chubb's policy is issued by Federal Insurance Company. ¹ ³

Chubb vs HUB International Employment Practices Liability Compared

Chubb vs HUB International: Employment Practices Liability Insurance: documented features by provider

Criteria	Chubb ForeFront Portfolio Employment Practices Liability Insurance	HUB International Employment Practices Liability Insurance Brokerage
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.	HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ³Company-reported. ProEx page call to action.
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.	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. ³Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.
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.	HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ³Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.
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.	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. ³Company-reported. ProEx page team and services description; not specific to a single EPL engagement.