Coalition vs 
HUB International: How Do They Compare for Employment Practices Liability Insurance?
Coalition distributes EPL within Executive Risks and provides risk-management support. HUB International brokers EPL through its ProEx team, offers legal-risk claims support, and flags 2026 pay-transparency laws as an emerging exposure.
Coalition’s EPL product covers private and nonprofit organizations up to 1,000 employees, with limits up to $10 million and HR tools included. HUB is a broker whose attorney-staffed claims team supports you from policy review through a claim, but it publishes no EPL terms. 1,3
What Are the Key Differences Between Coalition and HUB International Employment Practices Liability Insurance?
A Defined Product With Size Caps vs a Broker for Large Organizations
Coalition designs EPL inside its Executive Risks product for US private and not-for-profit organizations with up to 1,000 employees and $500 million in assets, with limits up to $10 million. HUB doesn’t underwrite; it places EPL as part of its ProEx executive liability practice and discusses how D&O, EPL, fiduciary and E&O fit together for large organizations. Choose Coalition if you’re under 1,000 employees and want published terms; choose HUB if you’re a larger company that wants a broker to coordinate several executive policies. 1 3
Published Coverage and HR Tools vs Attorney Claims Support
Coalition lists wrongful termination, discrimination, harassment and retaliation, and includes an HR hotline, employee training and a handbook builder. HUB publishes no EPL insuring agreements or exclusions, but its Claims & Legal Risks Group of attorneys reviews policy wording before a claim and works claims through recovery. With Coalition you see the cover before you apply; with HUB you get legal help when a claim lands. 1 3
What Should You Confirm in Coalition and HUB International Employment Practices Liability Insurance Quotes?
- Ask HUB which insurer would issue the EPL policy, and for the form, limits and wage-and-hour terms. 3
- Ask both how pay-transparency claims would be handled; HUB flags laws taking effect in 2026, and Coalition lists only four claim types. 3 1
- Ask Coalition which limit it’s quoting and whether your policy is with a standard state-licensed insurer or a surplus lines insurer, which affects state guaranty fund protection. 2 1
- Ask HUB what its claims attorneys will do before a claim is filed. 3
Coalition vs HUB International Employment Practices Liability Compared
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 |
|---|---|---|
| How to Apply | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 1Company-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. 3Company-reported. ProEx page call to action. |
| Coverage Features | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 1Company-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. 3Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. |
| Role in This Line | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 1Company-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. 3Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. |
| 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. 1Company-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. 3Company-reported. ProEx page team and services description; not specific to a single EPL engagement. |
