HUB International vs Marsh Employment Practices Liability Insurance

Marsh offers EPL endorsements by employee-count band; HUB brokers EPL inside ProEx without those published bands.

What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. ^1,^2,³

Read the HUB International profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^5,^6,^7,⁸

Read the Marsh profile

What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. ¹¹

Read the full coverage guide

Key Differences in Employment Practices Liability Insurance

Headcount Bands on the Placement

Marsh and HUB both place EPLI rather than underwrite it. Marsh names two endorsements split by headcount: Global Leaders for companies with more than 4,000 employees, and Leaders Preferred for 250 to 4,000, while saying employers of all sizes face EPL risk. ⁹ ⁴

HUB lists EPL inside ProEx Executive Liability and discusses how EPL sits with D&O, fiduciary and E&O for large organizations, without defining a minimum headcount. A company under 250 employees sits outside Marsh's named endorsement bands as described; HUB's reviewed offering does not use those bands. ⁴ ⁹

Neither Marsh nor HUB names the writing company in the reviewed offering. ⁹ ⁴

What the Coverage Is Said to Include

Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and civil-rights violations, including claims by third parties. HUB's reviewed offering does not set out those insuring agreements; it flags pay-transparency laws in 2026 as relevant to EPL. ⁹ ⁴

A Marsh quote can be checked against that allegation list. A HUB quote still has to show how pay-transparency and third-party claims are treated on the form you would buy. ⁹ ⁴

Claims Support After a Charge

HUB says attorneys in its Claims & Legal Risks Group support ProEx coverages including EPL from pre-claim wording review through recovery. Marsh's reviewed offering does not describe an attorney-staffed EPL claims group. ⁴ ⁹

What to Confirm in Employment Practices Liability Insurance Quotes

Ask Marsh which endorsement applies at your headcount and which insurer issues it. ⁹
If you have fewer than 250 employees, ask Marsh what EPLI it places without Leaders Preferred, and how ProEx would treat the same risk. ⁹ ⁴
Ask HUB how pay-transparency and third-party claims would be treated on the actual form. ⁴ ⁹
Ask how each firm would staff an EPL charge; Marsh's reviewed offering does not describe a claims group. ⁴ ⁹

Offering Details

HUB International vs Marsh Employment Practices Liability Insurance: documented features by provider

Criteria	HUB International Employment Practices Liability Insurance Brokerage	Marsh Employment Practices Liability (EPLI) Insurance
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.	Marsh's financial and professional liability practice places employment practices liability insurance (EPLI); MMA also places EPL coverage within its executive and professional liability practice for middle-market clients. ^9,¹⁰Company-reported. Marsh EPL page and MMA executive and professional liability page.
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.	The reviewed pages do not name a specific EPLI insurer; the named endorsements appear to be Marsh-negotiated policy features rather than a Marsh-underwritten product. ^9,¹⁰Not publicly disclosed. Marsh EPL page and MMA executive and professional liability page as read on 2026-09-23.
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.	Marsh says employers of all sizes face potential EPL liability, but its named endorsements target companies by size band: over 4,000 employees for the Global Leaders Endorsement and 250 to 4,000 employees for the Leaders Preferred Endorsement. ⁹Company-reported. Marsh EPL page.
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.	Marsh says EPLI can respond to allegations including discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and violation of an employee's civil rights, brought by past, present or prospective employees or third parties. ⁹Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form. Marsh names two proprietary EPL endorsements: the Global Leaders Endorsement, built for large and multinational companies with more than 4,000 employees, and the Leaders Preferred Endorsement, for midsize companies with 250 to 4,000 employees. ⁹Company-reported. Marsh EPL page, Marsh's EPL services section.
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.	Not described in the reviewed sources.
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.	Not described in the reviewed sources.
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.	Not described in the reviewed sources.
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.	Not described in the reviewed sources.

Full Comparison

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