Cowbell vs HUB International: How Do They Compare for Employment Practices Liability Insurance?

Cowbell distributes Zurich-written EPL to private companies under 250 employees through firms Zurich appoints to distribute the module. HUB International brokers EPL through ProEx, offers legal-risk claims support, and flags 2026 pay-transparency laws.

Cowbell's Zurich EPL module fits private companies under 250 employees and $50 million in assets, but your broker must reach it through an appointed wholesaler; HUB is a broker you contact directly, with a ProEx attorney group that supports EPL claims. ^1,³

What Are the Key Differences Between Cowbell and HUB International Employment Practices Liability Insurance?

Small Private Companies via Wholesalers vs a Broker You Call

Cowbell's EPL module, underwritten by Zurich, is for private companies under 250 employees and $50 million in assets, and only appointed Zurich E&S wholesalers can quote it through Cowbell's platform. You cannot buy it yourself; your broker must go through one of those wholesalers. HUB is a broker you contact directly through a ProEx specialist, and its page publishes no size limits, though its FAQ speaks of "large organizations." Choose Cowbell through your broker if you are a small private company that fits its screen; choose HUB if you are larger or want one broker handling EPL with your other executive covers. ¹ ³

Attorney Claims Support Only at HUB

HUB's ProEx team offers analytics and litigation support, and a Claims & Legal Risks Group of attorneys supports EPL from pre-claim wording review through recovery. HUB also flags 2026 pay-transparency laws as an EPL issue. Cowbell's management-liability FAQs describe no claims group and say nothing about pay transparency. ³ ¹

What Should You Confirm in Cowbell and HUB International Employment Practices Liability Insurance Quotes?

If you have fewer than 250 employees, ask HUB whether ProEx will take your account. ³ ¹
Ask who handles a claim: Zurich's claims team on Cowbell, or HUB's attorney group working with the placed insurer. ³ ²
Ask whether pay-transparency claims are covered on either form. ³ ¹
Ask HUB which insurer it would use; Cowbell's module is written by Zurich. ² ³

Cowbell vs HUB International Employment Practices Liability Compared

Cowbell vs HUB International: Employment Practices Liability Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Employment Practices Liability	HUB International Employment Practices Liability Insurance Brokerage
How to Apply	This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ¹Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.	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	Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ¹Company-reported. FAQ 'What is the difference between management liability and D&O?'. Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. ¹Company-reported. FAQ 'What is the most common management liability claim?'.	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	Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. ^1,²Company-reported. Management liability page intro and module list; Zurich page module-name section.	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.

Criteria

Cowbell / Zurich Select Plus Employment Practices Liability

HUB International Employment Practices Liability Insurance Brokerage

How to Apply

This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ¹Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.

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

Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ¹Company-reported. FAQ 'What is the difference between management liability and D&O?'.

Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. ¹Company-reported. FAQ 'What is the most common management liability claim?'.

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

Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. ^1,²Company-reported. Management liability page intro and module list; Zurich page module-name section.

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.