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

Chubb insures EPL with broad claim protection; The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

The Hartford builds basic EPL into its business owner’s policy for most small businesses, with wage-and-hour defense included, but not in California, Minnesota, North Dakota or New York. Chubb sells EPL as part of its ForeFront package, covering contractor claims and early-intervention costs. ^3,¹

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

EPL Built Into Your Small-Business Policy vs a Separate Package Part

The Hartford builds EPLI into its business owner’s policy (BOP, a bundled small-business policy) for most classes, includes it in Private Choice Premier, and sells standalone Employers Premier Choice. Chubb writes EPL as one of seven parts of its ForeFront Portfolio. Choose The Hartford if you’re a small business outside those four states that wants basic EPL with your BOP; choose Chubb if you need contractor claims covered. ³ ¹ ²

Wage-and-Hour and Customer Claims vs Contractor Claims

The Hartford includes third-party EPLI (claims from customers, vendors or visitors) for most businesses, and its BOP automatically adds wage-and-hour defense costs. Chubb covers claims from past, current and prospective employees and independent contractors, plus early-engagement costs to head off a claim, but its sheet doesn’t mention wage-and-hour. ³ ¹

A $25,000 Built-In Limit and State Gaps vs No Published Limit

The Hartford offers no built-in EPL in California, Minnesota, North Dakota or New York, and its Spectrum policies carry a $25,000 EPL limit; ask what higher limits cost. Chubb publishes no limits. ³ ¹

Free HR Resources vs Paid-Upgrade Resources

ChubbWorks employment resources come free with Chubb’s EPL. The Hartford’s hartfordhelp.com training, articles and model handbooks require buying higher EPL limits and aren’t offered in every state. ¹ ³

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

If you operate in California, Minnesota, North Dakota or New York, ask The Hartford what EPL it can offer outside the BOP. ³
Ask whether The Hartford’s quote is the BOP grant, Private Choice Premier or Employers Premier Choice, and which Hartford company issues it. ³
Ask Chubb for dollar limits and whether contractor claims and early-engagement costs are on your quote. Chubb’s sheet names Federal Insurance Company and other Chubb companies as issuers. ¹
Ask Chubb whether wage-and-hour defense is included, since The Hartford’s BOP includes it. ³ ¹

Chubb vs The Hartford Employment Practices Liability Compared

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)
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.	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. ³Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	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. ³Company-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. ¹Company-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. ³Company-reported. EPLI product page footnote as read 2026-09-23.
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.	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. ³Company-reported. EPLI product page as read 2026-09-23.