Gallagher vs RiskCube: How Do They Compare for Employment Practices Liability Insurance?

Gallagher places EPL with outside carriers and uses predictive models and benchmarking to assess exposure. RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims.

Gallagher brokers EPL and sizes your limit from loss databases that include claims over $1 million, with class-action exposure in view. RiskCube pitches EPLI to startups making first hires or scaling fast, but offers only a general contact form. ^1,²

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

Data-Driven Limit Advice vs a Startup Catalogue Line

Both are brokers. Gallagher sets limit recommendations using predictive models, benchmarks and EPL and wage-and-hour loss databases, weighing your headcount, workforce mix and locations. RiskCube lists EPLI as a catalogue line for startups hiring first employees or scaling fast, and describes no limit-setting process. Choose Gallagher if you have a large or multi-state workforce where class actions are a real risk; choose RiskCube if you're an early startup that wants a small-company broker. ¹ ²

Claims Each Describes

Gallagher says EPL answers claims such as harassment and wrongful termination, from class actions and single plaintiffs. RiskCube describes claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ¹ ²

How You Start

RiskCube's EPLI link opens a general contact form, with no dedicated application or timeline. Gallagher describes advisory work on limits and program design but no EPL application flow. Neither publishes limits, retentions, premiums or the insurer. ³ ² ¹

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

Ask RiskCube which insurer would issue EPLI. ³
Ask Gallagher which insurers it will approach and how its loss data produced your recommended limit. ¹
Tell both your headcount and hiring plans and ask how that changes the quote. ² ¹
Get limits and retentions in writing from both. ² ¹

Gallagher vs RiskCube Employment Practices Liability Compared

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

Criteria	Gallagher Employment Practices Liability (EPL) Insurance	RiskCube Employment Practices Liability Insurance
Who It’s For	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. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. Catalogue marketing description, not an underwriting eligibility rule.
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. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.	RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ²Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.
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. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ²Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.