Cowbell vs RiskCube: 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. RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims.

RiskCube is a broker you can contact directly about EPLI for your first hires, though it publishes no limits or application. Cowbell’s EPL module, underwritten by Zurich, also covers discrimination claims from non-employees, but only appointed wholesalers can quote it, for private companies under 250 employees. ^3,^1,²

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

A Broker You Contact vs a Module Your Broker Must Reach

RiskCube is an independent brokerage that lists EPLI in its startup catalogue; its “Learn more” link goes to a general contact form, with no EPLI application, timeline or intake list. Cowbell runs the platform for Zurich’s Select Plus product, and only appointed Zurich wholesalers can quote its EPL module through Cowbell, so you need a broker with that access. Choose RiskCube if you’re a startup making first hires and want to contact a broker yourself; choose Cowbell’s module if your broker can reach Zurich’s wholesalers. ³ ⁴ ¹ ²

First Hires vs Companies Under 250 Employees

RiskCube frames EPLI for startups hiring their first employees or scaling fast. Cowbell targets private companies under 250 employees and $50 million in assets in industries such as retail, hospitality and manufacturing. ³ ¹

Employee Claims vs Third-Party Discrimination Too

RiskCube’s card covers current or former employees’ claims of wrongful termination, discrimination, harassment or retaliation. Cowbell lists a similar set, and Zurich’s module name, Employment Practices and Third-Party Discrimination Liability, adds discrimination claims from customers and other non-employees. Neither publishes EPL limits. ³ ¹ ²

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

Ask RiskCube which insurer would issue your policy. Cowbell’s module is written by Zurich as a standard, state-licensed insurer. ³ ²
Ask your broker whether it can reach a Zurich wholesaler for Select Plus. ¹
If customers or vendors could accuse you of discrimination, ask whether RiskCube’s placement covers third-party claims. ² ³
Get limits and retentions in writing from both. ¹ ³

Cowbell vs RiskCube Employment Practices Liability Insurance Compared

Cowbell vs RiskCube: Employment Practices Liability Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Employment Practices Liability	RiskCube Employment Practices Liability Insurance
Who It’s For	Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. ¹Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.	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. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.
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?'.	RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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.	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. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

Criteria

Cowbell / Zurich Select Plus Employment Practices Liability

RiskCube Employment Practices Liability Insurance

Who It’s For

Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. ¹Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

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. ³Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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?'.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ³Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

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.

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. ³Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.