Chubb vs 
The Hartford Employment Practices Liability Insurance
Chubb’s ForeFront EPL is a portfolio part; The Hartford builds EPLI into its BOP for most classes, with state carve-outs and a $25,000 Spectrum limit.
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 The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 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
How EPL Sits in the Product
Chubb underwrites EPL as one of seven ForeFront Portfolio parts. The Hartford builds EPLI into its Business Owner’s Policy for most classes, includes it in Private Choice Premier, and also sells standalone Employers Premier Choice. 4 5 9
Third-Party, Wage-and-Hour and Contractors
The Hartford says third-party EPLI (customers, vendors or invitees) is included for most businesses, and its BOP automatically includes Wage and Hour Defense Cost coverage. Chubb’s sheet instead emphasizes independent-contractor claimants and early-engagement expenses; it does not describe a BOP-style wage-and-hour defense grant. 9 4
States and Published Limits
The Hartford’s footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. Chubb’s sheet names Federal Insurance Company and affiliates, illustrates claim scenarios, and does not publish policy limits. 9 4
Employer Tools
ChubbWorks is included as a free employment resource. The Hartford’s hartfordhelp.com training, articles and model handbooks require purchase of increased EPL limits and may not be available in all states. 4 9
What to Confirm in Employment Practices Liability Insurance Quotes
- If you operate in California, Minnesota, North Dakota or New York, ask The Hartford whether any EPL applies outside the built-in BOP grant. 9
- Ask whether The Hartford quote is BOP-included, Private Choice Premier, or Employers Premier Choice, and which writing company applies. 9
- Ask Chubb for numeric limits and whether contractor claims and early-engagement expenses apply. 4
- Compare wage-and-hour defense (Hartford BOP) with Chubb’s silence on wage-and-hour on the reviewed sheet. 9 4
Offering Details
Chubb vs The Hartford Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | The Hartford Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. | The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. 9Company-reported. EPLI product page as read 2026-09-23. |
| 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. | The Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. 9Company-reported. EPLI product page footnote as read 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. 9Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025). |
| 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. | The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. 9Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. 9Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed. |
| 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. | The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. 9Company-reported. EPLI product page as read 2026-09-23. |
| 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. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Employment Practices Liability Insurance | EPL Insurance. The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. 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.
