---
title: "Cowbell vs HUB International: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-hub-international"
provider-a: "cowbell"
provider-b: "hub-international"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/cowbell-vs-hub-international/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Cowbell and HUB International 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 Cowbell versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs HUB International for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Cowbell or HUB International?
- What does Cowbell or HUB International publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Cowbell and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 is for private companies under 250 employees and $50 million in assets and is quoted only by wholesale brokers, while HUB brokers EPL through ProEx with an attorney-staffed claims group.

## Cowbell vs HUB International Employment Practices Liability Insurance Summary

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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask who handles a claim: Zurich's claims team on Cowbell, or HUB's attorney group working with the placed insurer. [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- Ask whether pay-transparency claims are covered on either form. [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask HUB which insurer it would use; Cowbell's module is written by Zurich. [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Cowbell vs HUB International Employment Practices Liability Compared

| 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..)<br><br>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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL..) |

## About Cowbell and HUB International and Employment Practices Liability

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Cowbell vs HUB International

- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international): 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.
- [Cowbell Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cowbell/employment-practices)
- [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices)

## Sources for Cowbell vs HUB International

### Sources About Cowbell

1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (EPL definition); FAQ 'What is the most common management liability claim?' (EPL claim types); Target industries list. Accessed 2026-09-23.
2. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Employment Practices and Third-Party Discrimination Liability'; FAQ 'What is the difference between management liability and D&O?' and 'What is the most common management liability claim?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23.

### Sources About HUB International

3. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-hub-international/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)