HUB International vs 
Nationwide: How Do They Compare for Employment Practices Liability Insurance?
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 Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
Read the Nationwide 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. 9,10,11
What Are the Key Differences Between HUB International and Nationwide Employment Practices Liability Insurance?
Claims assistance before and after a loss
HUB says its ProEx Claims & Legal Risks Group has attorneys specializing in executive-liability lines, including EPL, and provides support from pre-claim policy-wording review through claim recovery. Nationwide’s public overview describes EPL claim examples and an agent quote route, without detailing a comparable claims group. For an employer that wants help interpreting wording before a dispute, HUB describes a specific advisory path; ask what services apply to your brokerage engagement. 4 8
Coverage detail versus policy placement
Nationwide lists wrongful termination, refusal to employ, invasion of privacy, and defamation as examples. HUB identifies EPL within its ProEx practice but its reviewed page does not describe the policy’s grants or exclusions. The buyer therefore needs to examine HUB’s carrier proposals for claim definitions while asking Nationwide for its issued-form terms; neither summary alone answers how a specific allegation is handled. 8 4
What Should You Confirm in HUB International and Nationwide Employment Practices Liability Insurance Quotes?
HUB International and Nationwide 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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsHUB International vs Nationwide Employment Practices Liability Compared
HUB International vs Nationwide: Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | Nationwide employment practices (official overview) |
|---|---|---|
| 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. | Nationwide describes offering employment practices for the audience stated on the cited product page. 8Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. | Businesses seeking protection from employee claims; policy conditions and exclusions control. 8Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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 cited product page describes EPL addressing employee claims such as wrongful termination, refusal to employ, invasion of privacy, or defamation, as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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 overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | Confirm in your quote. |
| 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. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. employment practices marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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 Nationwide
Employment Practices Liability Pages for HUB International and Nationwide
Other Coverage Lines Compared for HUB International vs Nationwide
Other Employment Practices Liability Insurance Provider Comparisons
Sources for HUB International vs Nationwide
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 Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Nationwide; EPLI page; employment-related claim coverage overview. Accessed 2026-09-30.
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.
