Gallagher vs HUB International Employment Practices Liability Insurance

Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ⁹Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. ⁹Not found in reviewed sources. Checked the ProEx page on 2026-09-23.

Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. ³Company-reported. Group-level executive-and-financial-risk practice page.

The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. ⁹Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria.

Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

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. ⁹Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

The page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Published EPL policy limits or retentions were not found on the ProEx page. ⁹Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations.

Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. ³Company-reported. Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited.

HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ⁹Company-reported. ProEx page team and services description; not specific to a single EPL engagement.

Not described in the reviewed sources.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ⁹Company-reported. ProEx page call to action.

Not described in the reviewed sources.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁹Company-reported. ProEx page claims and legal support section.