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

Chubb insures EPL and describes broad claim coverage, while RiskCube's catalogue explains workplace-allegation protection and calls EPLI critical for employers.

Chubb is the insurer and documents what its policy covers, including claims by independent contractors and early-engagement costs. RiskCube is a startup-focused broker that lists EPL for first hires but publishes no insurer, limits or application. ^1,³

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

Documented Insurer Policy vs Broker Catalogue Listing

Chubb underwrites EPL as part of its ForeFront portfolio and sells it through appointed agents and brokers. RiskCube lists EPLI in its startup catalogue as an independent brokerage and does not underwrite it; its EPLI “Learn more” link opens a general contact form. Chubb is the stronger choice if you want to know what you are buying before you talk to anyone. Choose RiskCube if you are a startup hiring your first employees and want a broker to find a policy for you. ¹ ² ³ ⁴

Contractor Claims Covered vs Employee Claims Only Described

Chubb says its form covers past, present and prospective employees and independent contractors, and pays early-engagement expenses before a formal claim. RiskCube describes claims from current or former employees for wrongful termination, discrimination, harassment or retaliation, and says nothing about contractors. If you rely on contractors, Chubb’s coverage is documented; with RiskCube you have to ask. ¹ ³

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

Ask RiskCube which insurer would issue your policy; the catalogue does not name one. ³
Ask Chubb to confirm contractor claims and early-engagement expenses on your quote. ¹
Get limits and retentions from both; neither page publishes them. ¹ ³
Ask RiskCube what information it needs to quote, since there is no EPL application page. ⁴

Chubb vs RiskCube Employment Practices Liability Insurance Compared

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

Criteria	Chubb ForeFront Portfolio Employment Practices Liability Insurance	RiskCube Employment Practices Liability Insurance
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.	RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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.	RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

Criteria

Chubb ForeFront Portfolio Employment Practices Liability Insurance

RiskCube Employment Practices Liability Insurance

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.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

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.

RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.