--- title: "HUB International vs Liberty Mutual: Employment Practices Liability Insurance" description: "HUB describes a Claims & Legal Risks Group with attorneys who support EPL matters from pre-claim wording review through claim recovery." canonical: "https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-liberty-mutual" provider-a: "hub-international" provider-b: "liberty-mutual" 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/hub-international-vs-liberty-mutual/employment-practices) ## Agent Guide **What this page is:** Focused comparison of HUB International and Liberty Mutual 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 HUB International versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Liberty Mutual for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, HUB International or Liberty Mutual? - What does HUB International or Liberty Mutual publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from HUB International or Liberty Mutual? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: HUB International and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) # HUB International vs Liberty Mutual: How Do They Compare for Employment Practices Liability Insurance? HUB describes a Claims & Legal Risks Group with attorneys who support EPL matters from pre-claim wording review through claim recovery. ## How to Use the HUB International vs Liberty Mutual Employment Practices Liability Insurance Comparison Use this comparison to evaluate HUB International and Liberty Mutual for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Liberty Mutual Employment Practices Liability Insurance Summary HUB describes a Claims & Legal Risks Group with attorneys who support EPL matters from pre-claim wording review through claim recovery. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [9](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [10](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## 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 vs Liberty Mutual Employment Practices Liability Compared | 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. [4](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..) | Liberty Mutual includes employment practices liability in its ProShield management-liability package. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: 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. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [4](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..) | 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. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: 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. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: 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. [4](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..) | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) | Confirm in your quote. | ## Related Pages for HUB International vs Liberty Mutual - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual): 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. - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) - [AIG vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/employment-practices) - [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) - [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) ## Sources for HUB International vs Liberty Mutual ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [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. ### Sources About Liberty Mutual 5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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. 6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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. 7. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/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 8. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 9. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). 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. 10. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). 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. Updated 2026-10-01. 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. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-liberty-mutual/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)