What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 1,2
Read the Counterpart Employment Practices Liability Insurance page
What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 5,6,7
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 10,11,12
Key Differences in Employment Practices Liability Insurance
Underwriting and Distribution
RiskCube calls EPLI critical for startups hiring their first employees or scaling quickly and names claims by current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Counterpart publishes a dedicated EPL product page without a stage threshold in the reviewed claims. A startup can use RiskCube’s framing as a hiring prompt and ask Counterpart how its appetite changes with headcount. 3 8
Claims Named by Travelers
Counterpart says its insurance is distributed through its producer and surplus-lines broker and wholesale brokers. RiskCube describes its catalogue as an independent brokerage and says it does not underwrite the policy. Ask both who will select the carrier and provide the policy wording; neither distribution description alone identifies the insurer or establishes the terms. 3 8
What to Confirm in Employment Practices Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Counterpart
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsRiskCube
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsOffering Details
Counterpart vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | Counterpart Employment Practices Liability | RiskCube Employment Practices Liability Insurance |
|---|---|---|
| Role in This Line | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. 1,4Company-reported. This does not identify the carrier for an EPL placement. | 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. 8Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
| Who It’s For | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. 3Company-reported. The source summary does not establish a size, industry, state or applicant acceptance rule. | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. 8Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. 3Company-reported. The retained page description does not supply the policy’s complete covered-claim definition or exclusions. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 8Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| Limits and Retentions | Counterpart labels its published EPL limit and retention figures as illustrative examples. 3Company-reported. Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer. | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 8,9Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| How to Apply | Confirm in your quote. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. 9Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Full Comparison
More Counterpart vs RiskCube Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. 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.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
