--- title: "HUB International vs RiskCube: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/hub-international-vs-riskcube/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-riskcube" provider-a: "hub-international" provider-b: "riskcube" 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. 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[Human-readable page](https://spot.insure/compare/hub-international-vs-riskcube/employment-practices) ## Agent Guide **What this page is:** Focused comparison of HUB International and RiskCube 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 RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs RiskCube for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, HUB International or RiskCube? - What does HUB International or RiskCube publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: HUB International and RiskCube. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - 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; last updated 2026-09-25. **Related pages:** - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) — all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 places EPL through its ProEx executive-risk practice with analytics and an attorney-staffed claims group, while RiskCube lists EPLI for startups making first hires and offers only a general contact form. ## HUB International vs RiskCube Employment Practices Liability Insurance Summary 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://riskcubeai.com/insurance/epli "Contact RiskCube") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") - If you are an early startup, ask HUB whether ProEx will take your account. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Get HUB's claims-attorney involvement in writing, and ask RiskCube who handles an EPLI claim. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://riskcubeai.com/insurance/epli "Contact RiskCube") - Compare limits and retentions on the quotes. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## HUB International vs RiskCube Employment Practices Liability Compared | 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. [1](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..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail..) | ## About HUB International and RiskCube - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for HUB International vs RiskCube - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube): 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 Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices) - [RiskCube Employment Practices Liability Insurance](https://spot.insure/insurance-providers/riskcube/employment-practices) ## Sources for HUB International vs RiskCube ### Sources About HUB International 1. [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 RiskCube 2. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Employment Practices Liability card: "EPLI covers claims from current or former employees alleging wrongful termination, discrimination, harassment, or retaliation. Critical for startups hiring their first employees or scaling a team rapidly."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23. 3. [Contact RiskCube](https://riskcubeai.com/insurance/epli). RiskCube; The catalogue's Employment Practices Liability "Learn more" link resolves to a general contact form, not a dedicated EPLI product page. Accessed 2026-09-23. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-riskcube/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)