Chubb vs 
HUB International Employment Practices Liability Insurance
Chubb underwrites ForeFront EPL on Federal Insurance Company paper; HUB ProEx brokers EPL with attorney-staffed claims support.
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. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
ForeFront Underwriting Versus ProEx Brokerage
Chubb underwrites EPL as one of seven ForeFront Portfolio parts. HUB brokers EPL as Executive Liability coverage inside ProEx and does not underwrite it; the ProEx page says the practice places over $2 billion in premium with carriers it calls top-rated without naming them. 4 9
What Each Page Says About the Form
Chubb’s sheet lists independent-contractor claimants, a broad Employment Practices Wrongful Act definition, early-engagement expense, duty-to-defend optionality and statute-of-limitations tolling requests. 4 9
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask HUB whether Chubb ForeFront is among ProEx markets it will submit. 9 4
- Confirm how 2026 pay-transparency laws are treated on the actual form versus Chubb’s listed features. 9 4
- Get EPL limits and the issuing company: Federal Insurance Company versus HUB’s unnamed carrier. 4 9
- Ask who handles an EPL claim: Chubb as duty-to-defend insurer versus HUB’s attorney group working with the issuer. 4 9
Offering Details
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 |
|---|---|---|
| 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. 4Company-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. 9Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. |
| 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. | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 9Not found in reviewed sources. Checked the ProEx page on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. 9Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria. |
| 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. 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. | 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. 9Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. |
| 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. 4Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms. | Published EPL policy limits or retentions were not found on the ProEx page. 9Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| 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. 4Company-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. 9Company-reported. ProEx page team and services description; not specific to a single EPL engagement. |
| How to Apply | 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. | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 9Company-reported. ProEx page call to action. |
| Claims Support | Not described in the reviewed sources. | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 9Company-reported. ProEx page claims and legal support section. |
Full Comparison
More Chubb vs HUB International Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. 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.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. 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.
- The ForeFront Portfolio — Employment Practices Liability Insurance. Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
