Cowbell vs RiskCube Employment Practices Liability Insurance

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. ^4,3Company-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. ⁸Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

Cowbell and Zurich both say the Select Plus modules, including EPL, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this EPL module. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

Not described in the reviewed sources.

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. ⁴Company-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. ⁸Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

Cowbell describes EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. ⁴Company-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. ⁴Company-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. ⁸Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes EPL limit or retention amounts. ^4,3Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

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.

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. ⁴Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.

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.