HUB International vs The Hartford: How Do They Compare for Employment Practices Liability Insurance?

HUB International brokers EPL through ProEx and supports claims through a legal-risk group. The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

The Hartford builds EPLI into most business owner's policies or sells it standalone, but has no built-in cover in California, Minnesota, North Dakota or New York and a $25,000 limit on Spectrum policies; HUB is a broker whose ProEx attorneys support you from policy review through claims. ^2,¹

What Are the Key Differences Between HUB International and The Hartford Employment Practices Liability Insurance?

Hartford's Own Products vs a Broker Shopping Several Insurers

The Hartford writes EPLI itself: built into its Business Owner's Policy (BOP) for most classes, included in Private Choice Premier, and sold standalone as Employers Premier Choice. There's no built-in EPL in California, Minnesota, North Dakota or New York, and Spectrum policies written by Hartford Underwriters Insurance Company carry a $25,000 limit. HUB's ProEx practice is a broker that shops EPL among insurers it doesn't name and publishes no limits. Choose The Hartford if you're a small business buying a BOP outside those four states; choose HUB if you operate in one of them or want a broker to compare several insurers and higher limits. ¹ ²

Third-Party and Wage-and-Hour Defense Built In vs Unpublished Terms

The Hartford says third-party EPLI is included for most businesses and its BOP automatically includes Wage and Hour Defense Cost coverage. HUB's ProEx page doesn't publish third-party or wage-and-hour terms, so you'll see them only on the quote. ² ¹

Claims Attorneys vs Training Tied to Higher Limits

HUB says ProEx provides analytics, litigation support and risk-management services, with attorneys supporting EPL claims from wording review through recovery. The Hartford gives you hartfordhelp.com training, articles and model handbooks only if you buy increased EPL limits, and that program isn't available in every state. HUB gives you more help when a claim lands; The Hartford's help focuses on prevention. ¹ ²

What Should You Confirm in HUB International and The Hartford Employment Practices Liability Insurance Quotes?

If you operate in California, Minnesota, North Dakota or New York, ask The Hartford how EPL is written there and ask HUB which insurer it would use. ² ¹
Ask which Hartford product you're quoted, and compare HUB's limit with the $25,000 Spectrum figure. ² ¹
Ask both whether third-party EPL and wage-and-hour defense appear on the quote. ² ¹
Ask The Hartford what limit unlocks hartfordhelp.com in your state. ²

HUB International vs The Hartford Employment Practices Liability Compared

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

Criteria	HUB International Employment Practices Liability Insurance Brokerage	The Hartford Employment Practices Liability Insurance (EPLI)
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.	The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ²Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ²Company-reported. EPLI product page as read 2026-09-23.
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. ¹Company-reported. ProEx page team and services description; not specific to a single EPL engagement.	The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. ²Company-reported. EPLI product page as read 2026-09-23.