--- title: "Counterpart vs RiskCube: Employment Practices Liability Insurance" description: "Counterpart publishes a dedicated EPL page; RiskCube frames EPLI around startups hiring their first employees or scaling quickly." canonical: "https://spot.insure/compare/counterpart-vs-riskcube/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-riskcube" provider-a: "counterpart" provider-b: "riskcube" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Counterpart and RiskCube for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Counterpart versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs RiskCube for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Counterpart or RiskCube? - What does Counterpart or RiskCube publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Counterpart or RiskCube? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Counterpart and RiskCube. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs RiskCube](https://spot.insure/compare/counterpart-vs-riskcube) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [Counterpart vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) - [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) # Counterpart vs RiskCube: How Do They Compare for Employment Practices Liability Insurance? Counterpart publishes a dedicated EPL page; RiskCube frames EPLI around startups hiring their first employees or scaling quickly. ## Research Scope and Use Use this comparison to evaluate Counterpart and RiskCube for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Counterpart describes employment allegations on a dedicated EPL page. RiskCube names wrongful termination, discrimination, harassment, and retaliation for startups hiring or scaling teams. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## 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](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [11](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [12](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## 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](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### 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](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask RiskCube which carrier, limit, and retention are available for a first-hire startup. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") - Ask Counterpart which eligibility details and employment-claim definitions apply to your team and states. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [9](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not publicly disclosed; scope: 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. [9](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [Counterpart vs RiskCube](https://spot.insure/compare/counterpart-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [Counterpart vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/fiduciary) - [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/general-liability) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) - [Alliance Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/employment-practices) - [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) - [Amelia Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/employment-practices) ## Sources ### Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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. 2. [About Counterpart](https://yourcounterpart.com/about). 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. 3. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). 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. 4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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 5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 7. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 8. [Startup Insurance Coverage](https://riskcubeai.com/insurance). 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. 9. [Contact RiskCube](https://riskcubeai.com/insurance/epli). 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 10. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 11. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). 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. 12. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). 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. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Counterpart Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## RiskCube Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)