--- title: "HUB International vs Travelers Employment Practices Liability Insurance" description: "HUB brokers EPL through ProEx; Travelers underwrites EPL for financial institutions, nonprofits, and private and public companies through independent agents." canonical: "https://spot.insure/compare/hub-international-vs-travelers/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/employment-practices) # HUB International vs Travelers Employment Practices Liability Insurance HUB brokers EPL through ProEx; Travelers underwrites EPL for financial institutions, nonprofits, and private and public companies through independent agents. ## Research Scope and Use Use this comparison to evaluate HUB International and Travelers 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 without naming a carrier and staffs ProEx claims with attorneys. Travelers underwrites EPL in its Management & Professional Liability line, names Travelers Casualty and Surety Company of America in a video disclosure, and sells through independent agents. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## 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 Travelers Insurance? Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## Key Differences in Employment Practices Liability Insurance ### Who Carries the Risk HUB brokers EPL inside ProEx and does not underwrite it. Travelers underwrites EPL as part of Management & Professional Liability, sold standalone or with other management-liability coverages. The buyer’s first question is whether they want a broker searching unnamed markets or a Travelers policy issued in that family. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ### Named Insurer and Intended Buyer Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property-casualty affiliates, while noting the issuing entity can vary. It markets EPL to financial institutions, nonprofit organizations, private companies and public companies. HUB’s ProEx page does not name an EPL insurer and does not publish an EPL-specific industry list, though its FAQ discusses EPL alongside other executive lines for large organizations. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ### Coverage Language and How You Buy Travelers says EPL covers defense costs and damages for wrongful termination, discrimination, workplace harassment and retaliation. HUB does not list those agreements on the ProEx page; it instead describes analytics, litigation support and attorney-led claims work from pre-claim wording review through recovery. You buy Travelers EPL through an independent agent; HUB asks you to contact a ProEx specialist. Neither page publishes policy limits. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What to Confirm in Employment Practices Liability Insurance Quotes - Get the issuing company on the Travelers quote and the carrier HUB places; HUB does not publish names. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask whether the Travelers form is standalone or packaged with other management liability, and whether HUB is placing a similar tower. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Compare defense-inside-limit treatment; Travelers cites illustrative settlements that include defense costs, not policy limits. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Confirm how HUB’s ProEx claims attorneys would interact with a Travelers-style carrier defense panel if you use HUB instead. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## Offering Details | Criteria | HUB International Employment Practices Liability Insurance Brokerage | Travelers Employment Practices Liability Insurance (EPL) | | --- | --- | --- | | 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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) | | 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..) | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page video legal footer..) | | 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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Who is this right for?" section..) | | 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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy..) | | 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 page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Not found in reviewed sources; scope: Product page video claim scenarios as read on 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. [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..) | EPL coverage is bought through a Travelers independent agent. [8](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) | | 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 Travelers](https://spot.insure/compare/hub-international-vs-travelers): 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 Travelers Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-travelers/business-owners-policy) - [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit) - [HUB International vs Travelers Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-auto) - [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property) - [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime) - [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber) - [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers) - [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown) - [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds) - [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary) - [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability) - [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine) - [HUB International vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom) - [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability) - [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) - [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds) - [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions) - [HUB International vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess) - [HUB International vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-travelers/workers-compensation) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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 Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) - [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices) - [Beazley vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-travelers/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. ### Travelers 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 9. [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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-travelers/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)