---
title: "HUB International vs RiskCube Employment Practices Liability Insurance"
description: "HUB’s ProEx practice brokers EPL with analytics and attorney claims help; RiskCube lists EPLI on a startup catalogue card and sends you to a contact form."
canonical: "https://spot.insure/compare/hub-international-vs-riskcube/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-riskcube/employment-practices)

# HUB International vs RiskCube Employment Practices Liability Insurance

HUB’s ProEx practice brokers EPL with analytics and attorney claims help; RiskCube lists EPLI on a startup catalogue card and sends you to a contact form.

## Research Scope and Use

Use this comparison to evaluate HUB International and RiskCube 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.

## Summary

HUB places EPL through ProEx and describes litigation support plus a named practice leader. RiskCube is an independent brokerage that lists EPLI for startups hiring their first employees, without a dedicated product page or published limits. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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](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 RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [5](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Practice Desk Versus Startup Catalogue

HUB brokers EPL inside the ProEx Professional & Executive Risk practice rather than underwriting it. RiskCube lists Employment Practices Liability on its startup insurance catalogue and says RiskCube Insurance Services, LLC is an independent brokerage that does not underwrite the policy. Both sides place someone else’s paper; HUB organizes that work under a named ProEx leader, while RiskCube presents EPLI as one catalogue card among startup lines. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Who Each Practice Talks About

RiskCube’s catalogue frames EPLI as critical for startups hiring their first employees or scaling a team quickly. HUB’s ProEx FAQ discusses D&O, EPL, fiduciary and E&O together in the context of large organizations and does not publish an EPL-specific size or industry list. Headcount and stage are therefore the buyer’s filter: early hiring on one side, a large-organization executive-risk mix on the other, with neither page stating underwriting cutoffs. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### How Much Detail You Get Before You Call

HUB says the ProEx team offers analytics, litigation support and risk-management services, and that attorneys in a Claims & Legal Risks Group support EPL from wording review through recovery. RiskCube’s EPLI “Learn more” link opens a general contact form rather than an application timeline, and neither the catalogue card nor that form publishes limits or retentions—HUB’s ProEx page also does not publish EPL limits. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://riskcubeai.com/insurance/epli "Contact RiskCube") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask both brokerages for the issuing insurer and whether the form is claims-made. HUB and RiskCube’s reviewed pages leave the insurer unnamed. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Check whether RiskCube’s placement is aimed at first-hire startups and whether HUB will work a similar risk or only larger ProEx accounts. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Request HUB’s claims-attorney involvement in writing; ask RiskCube how an EPLI claim is handled after the contact form. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://riskcubeai.com/insurance/epli "Contact RiskCube")
- Compare limit and retention numbers on the quotes; neither public page discloses them. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## Offering Details

| Criteria | HUB International Employment Practices Liability Insurance Brokerage | RiskCube Employment Practices Liability 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. [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..) | 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. [8](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..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) |
| 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..) | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. [8](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..) |
| 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 reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") [9](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) |
| 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..) | 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. [9](https://riskcubeai.com/insurance/epli "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [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): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [HUB International vs RiskCube Crime Insurance](https://spot.insure/compare/hub-international-vs-riskcube/crime)
- [HUB International vs RiskCube Cyber Insurance](https://spot.insure/compare/hub-international-vs-riskcube/cyber)
- [HUB International vs RiskCube D&O Insurance](https://spot.insure/compare/hub-international-vs-riskcube/directors-officers)
- [HUB International vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-riskcube/fiduciary)
- [HUB International vs RiskCube General Liability Insurance](https://spot.insure/compare/hub-international-vs-riskcube/general-liability)
- [HUB International vs RiskCube Key Person Insurance](https://spot.insure/compare/hub-international-vs-riskcube/key-person)
- [HUB International vs RiskCube Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-riskcube/technology-errors-omissions)
- [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices)
- [Alliance Risk vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/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 RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/employment-practices)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)
- [Beazley vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/employment-practices)

## Sources

### 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.

### RiskCube

5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
7. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
8. [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.
9. [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.

### Employment Practices Liability Insurance Guide

10. [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.

Updated 2026-09-23. 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.

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