--- title: "Cowbell vs RiskCube: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/cowbell-vs-riskcube/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "cowbell-vs-riskcube" provider-a: "cowbell" 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/cowbell-vs-riskcube/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Cowbell 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 Cowbell versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Cowbell vs RiskCube for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Cowbell or RiskCube? - What does Cowbell or RiskCube publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Cowbell and RiskCube. - 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 RiskCube](https://spot.insure/compare/cowbell-vs-riskcube) — 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 - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 startup broker you can contact directly about EPLI; Cowbell’s Zurich-backed EPL module adds third-party discrimination cover but only wholesale brokers can quote it, for companies under 250 employees. ## Cowbell vs RiskCube Employment Practices Liability Insurance Summary 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [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") ## 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [4](https://riskcubeai.com/insurance/epli "Contact RiskCube") [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") ### 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ### 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [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") ## 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") - Ask your broker whether it can reach a Zurich wholesaler for Select Plus. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") - If customers or vendors could accuse you of discrimination, ask whether RiskCube’s placement covers third-party claims. [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") - Get limits and retentions in writing from both. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Cowbell vs RiskCube Employment Practices Liability Insurance Compared | 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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?'..)

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?'..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [3](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..) | | 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..) | 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. [3](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..) | ## About Cowbell and RiskCube and Employment Practices Liability - [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Cowbell vs RiskCube Employment Practices Liability - [Cowbell vs RiskCube](https://spot.insure/compare/cowbell-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. - [Cowbell Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cowbell/employment-practices) - [RiskCube Employment Practices Liability Insurance](https://spot.insure/insurance-providers/riskcube/employment-practices) ## Sources for Cowbell vs RiskCube ### 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 RiskCube 3. [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. 4. [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. 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-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)