HUB International vs 
RiskCube: How Do They Compare for Employment Practices Liability Insurance?
HUB International brokers EPL through ProEx and flags 2026 pay-transparency laws as an emerging exposure. RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims.
HUB gives you a dedicated executive-risk practice with analytics, litigation support and attorneys who help at claim time, pitched at larger organizations; RiskCube lists EPLI for startups hiring their first employees but offers only a contact form and no published terms. 1,2
What Are the Key Differences Between HUB International and RiskCube Employment Practices Liability Insurance?
Larger Organizations vs First-Hire Startups
Both are brokers. HUB places EPL through its ProEx Professional & Executive Risk practice, whose FAQ discusses D&O, EPL, fiduciary and E&O together for large organizations. RiskCube lists EPLI as one card in its startup catalogue, pitched at companies hiring their first employees or scaling fast. Neither publishes size cutoffs. Choose HUB if you are a larger company that wants EPL handled with your other executive covers; choose RiskCube if you are an early startup buying a first policy. 1 2
Claims and Risk Support Only at HUB
HUB's ProEx team offers analytics, litigation support and risk-management services, and a Claims & Legal Risks Group of attorneys supports EPL from wording review through recovery. RiskCube's EPLI link opens a general contact form, and it describes no claims help. Neither publishes limits or retentions. 1 3 2
What Should You Confirm in HUB International and RiskCube Employment Practices Liability Insurance Quotes?
- Ask both for the issuing insurer and whether the policy is claims-made. 1 2
- If you are an early startup, ask HUB whether ProEx will take your account. 2 1
- Get HUB's claims-attorney involvement in writing, and ask RiskCube who handles an EPLI claim. 1 3
- Compare limits and retentions on the quotes. 1 2
HUB International vs RiskCube Employment Practices Liability Compared
HUB International vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | RiskCube Employment Practices Liability Insurance |
|---|---|---|
| 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. 1Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. | 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 | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. 1Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. | 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. |
