--- title: "Gallagher vs HUB International: Employment Practices Liability Insurance" description: "Gallagher is stronger before you buy: it benchmarks how much EPL limit you need using loss databases that include losses over $1 million. HUB is stronger after a claim: attorneys in its ProEx Claims & Legal Risks Group support EPL matters from wording review through recovery." canonical: "https://spot.insure/compare/gallagher-vs-hub-international/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-hub-international" provider-a: "gallagher" provider-b: "hub-international" 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. 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[Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Gallagher 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 Gallagher 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:** - Gallagher vs HUB International for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Gallagher or HUB International? - What does Gallagher or HUB International publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Gallagher 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:** - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) — all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile # Gallagher vs HUB International: How Do They Compare for Employment Practices Liability Insurance? Gallagher places EPL with outside carriers and uses data, predictive models and benchmarking to assess exposure. HUB International brokers EPL through ProEx, supports claims through a legal-risk group, and flags 2026 pay-transparency laws. Gallagher sizes EPL limits from loss databases that include losses over $1 million, while HUB's ProEx practice backs EPL claims with an attorney-staffed group. ## Gallagher vs HUB International Employment Practices Liability Insurance Summary Gallagher is stronger before you buy: it benchmarks how much EPL limit you need using loss databases that include losses over $1 million. HUB is stronger after a claim: attorneys in its ProEx Claims & Legal Risks Group support EPL matters from wording review through recovery. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Are the Key Differences Between Gallagher and HUB International Employment Practices Liability Insurance? ### Data-Driven Limit Advice vs Attorney Claims Support Both broker EPL rather than issue it. Gallagher's Executive and Financial Risk practice uses predictive models, contract analysis and EPL and wage-and-hour loss databases to advise limits, modeling exposure by headcount, employee mix and location. HUB places EPL within its ProEx practice, which it says places over $2 billion in premium, and staffs a Claims & Legal Risks Group of attorneys who support EPL from pre-claim wording review through recovery. Choose Gallagher if you're unsure how much limit a large or multi-state workforce needs; choose HUB if you want lawyers on your side when a charge is filed. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ### Class-Action Cover Named vs Program-Level Coordination Gallagher describes EPL as answering harassment and wrongful-termination claims, from single plaintiffs to class actions. HUB's page doesn't set out EPL coverage terms; it discusses how EPL interacts with D&O, fiduciary and E&O for large organizations and flags pay-transparency laws taking effect in 2026. If a class action is your worry, Gallagher speaks to it directly; if you're coordinating several executive policies, HUB's framing fits. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What Should You Confirm in Gallagher and HUB International Employment Practices Liability Insurance Quotes? - Ask Gallagher which insurers it will approach and how its review of $1 million-plus losses shaped the recommended limit. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask HUB how the Claims & Legal Risks Group would staff an EPL charge and whether pay-transparency claims are covered. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask HUB how class actions are treated; Gallagher names them, HUB's page doesn't. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask both for retentions, the issuing insurer, and whether defense costs reduce the limit; neither publishes EPL figures. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Gallagher vs HUB International Employment Practices Liability Compared | Criteria | Gallagher Employment Practices Liability (EPL) Insurance | HUB International Employment Practices Liability Insurance Brokerage | | --- | --- | --- | | Coverage Features | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](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..) | | Risk Services | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single EPL engagement..) | ## About Gallagher and HUB International - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs HUB International - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-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. - [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices) - [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices) ## Sources for Gallagher vs HUB International ### Sources About Gallagher 1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23. ### Sources About HUB International 2. [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). 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