Coalition vs 
HUB International Employment Practices Liability Insurance
Coalition underwrites Executive Risks EPL with HR tools; HUB brokers EPL inside ProEx and staffs a Claims & Legal Risks Group of attorneys.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
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
Who Underwrites Versus Who Brokers
Coalition designs EPL inside Executive Risks. HUB brokers employment practices liability as one of the Executive Liability coverages inside ProEx and does not underwrite it. 4 9
Coverage Detail in the Records
Coalition lists wrongful termination, discrimination, harassment and retaliation. HUB flags pay-transparency laws taking effect in 2026 as relevant to EPL. HUB’s reviewed sources do not describe EPL insuring agreements, exclusions or endorsements. 4 9
Size
Coalition publishes caps of up to 1,000 employees and up to $500 million in assets for private and not-for-profit U.S. organizations. HUB discusses D&O, EPL, fiduciary and E&O interplay for large organizations without defining a minimum size. 4 9
Claims Support
HUB describes a Claims & Legal Risks Group of attorneys that specialize in ProEx coverages including EPL, from pre-claim wording review through claim recovery. Coalition’s reviewed sources do not describe an attorney-staffed EPL claims unit. 9 4
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask HUB which carrier would issue the EPL policy. 9
- Ask how pay-transparency exposures would be treated on HUB’s placement versus Coalition’s four listed claim types. 9 4
- Confirm Coalition’s admitted versus non-admitted route and the EPL limit. 5 4
- Ask HUB what the Claims & Legal Risks Group will do before a claim is filed. 9
Offering Details
Coalition vs HUB International Employment Practices Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | HUB International Employment Practices Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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 | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | 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 | Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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 | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 4Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. | 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 | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | 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 | Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. 4Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | 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 | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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 Coalition vs HUB International Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). 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.
