What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Read the HUB International profile
Read the HUB International Employment Practices Liability Insurance page
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 5,6
Read the Liberty Mutual profile
Read the Liberty Mutual Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 8,9,10
What Are the Key Differences Between HUB International and Liberty Mutual Employment Practices Liability Insurance?
Claims and scope in the reviewed records
HUB describes a Claims & Legal Risks Group with attorneys who support EPL matters from pre-claim wording review through claim recovery. Liberty Mutual’s ProShield overview describes third-party coverage but does not describe a comparable claims-advisory team. Employers should evaluate HUB’s broker-side support separately from the insurer’s claim obligations under ProShield. 4 7
Placement and policy structure
HUB places EPL through its ProEx practice and directs prospects to a specialist; Liberty Mutual includes EPL in a combined ProShield package. HUB’s page flags pay-transparency laws taking effect in 2026 as an emerging issue but does not describe a related endorsement or coverage trigger. Buyers should ask how each proposed policy treats claims tied to pay-transparency requirements rather than infer coverage from the practice note. 4 7
What Should You Confirm in HUB International and Liberty Mutual Employment Practices Liability Insurance Quotes?
- What services will HUB’s attorneys provide before and during an EPL claim? How does ProShield address third-party employment allegations and pay-transparency claims? Compare insurer, covered acts, limits and claim-notice conditions.
HUB International and Liberty Mutual Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsHUB International vs Liberty Mutual Employment Practices Liability Compared
HUB International vs Liberty Mutual: Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | Liberty Mutual ProShield Employment Practices Liability |
|---|---|---|
| Role in This Line | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. 4Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. | Liberty Mutual includes employment practices liability in its ProShield management-liability package. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | 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. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4Not 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. | The source scopes the package to private and not-for-profit organizations and lists coverage for certain workers and volunteers; a quote is needed to establish applicant eligibility. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | 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. 4Company-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 describes protection for the financial impact of employment-related lawsuits and lists selected features including third-party coverage; exact definitions and exclusions depend on the policy. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. 4Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | 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. 4Company-reported. ProEx page team and services description; not specific to a single EPL engagement. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 7Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 4Company-reported. ProEx page call to action. | Confirm in your quote. |
| Claims Support | 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. 4Company-reported. ProEx page claims and legal support section. | Confirm in your quote. |
Related Pages for HUB International vs Liberty Mutual
Employment Practices Liability Pages for HUB International and Liberty Mutual
Other Coverage Lines Compared for HUB International vs Liberty Mutual
Other Employment Practices Liability Insurance Provider Comparisons
Sources for HUB International vs Liberty Mutual
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. 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.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
