--- title: "HUB International vs USI Insurance Services: Employment Practices Liability Insurance" description: "HUB suits larger organizations that want in-house attorneys handling an employment claim from wording review to recovery; USI suits janitorial, staffing, maintenance and printing businesses. Both are brokers, and neither names the insurer up front." canonical: "https://spot.insure/compare/hub-international-vs-usi/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-usi" provider-a: "hub-international" provider-b: "usi" 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. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-usi/employment-practices) ## Agent Guide **What this page is:** Focused comparison of HUB International and USI Insurance Services 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 USI Insurance Services. 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 USI Insurance Services for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, HUB International or USI Insurance Services? - What does HUB International or USI Insurance Services publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: HUB International and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi) — 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 - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # HUB International vs USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance? HUB International brokers EPL through its ProEx team and supports claims through a legal-risk group. USI Insurance Services brokers EPL for small and midsize businesses and provides risk-management services through Business Services. HUB's ProEx team gives you in-house claims attorneys for EPL and focuses on larger organizations; USI brokers EPL for janitorial, staffing and other service trades and audits existing policies. ## HUB International vs USI Insurance Services Employment Practices Liability Insurance Summary HUB suits larger organizations that want in-house attorneys handling an employment claim from wording review to recovery; USI suits janitorial, staffing, maintenance and printing businesses. Both are brokers, and neither names the insurer up front. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What Are the Key Differences Between HUB International and USI Insurance Services Employment Practices Liability Insurance? ### Claims Attorneys vs Trade-Specific Service HUB places EPL through its ProEx executive-liability team, whose Claims & Legal Risks Group of attorneys handles EPL from pre-claim wording review through recovery, backed by analytics and litigation support. USI's Business Services practice places EPL for building maintenance, repair, janitorial, staffing and printing companies, with classification reviews, contract review and claim advocacy. Choose HUB if you're a larger organization and want lawyers in your corner when an employee sues; choose USI if you run a service or staffing business with classification exposure. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") ### Executive-Risk Book vs Small-Business Gap Review HUB discusses EPL in a large-organization FAQ alongside D&O, fiduciary and E&O and publishes no size or industry list. USI's ExecuSafe serves small and midsize businesses and checks existing EPL for gaps. If you already have a policy and want it audited, USI names that service; HUB's wording review happens as part of its claims work. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What Should You Confirm in HUB International and USI Insurance Services Employment Practices Liability Insurance Quotes? - Ask USI whether your EPL will be handled by Business Services or ExecuSafe, and ask HUB whether ProEx takes accounts your size. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask both brokers which insurer will issue your policy; neither page names one. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://www.usi.com/property-casualty/business-services/ "Business Services") - Ask both for limits and retentions in writing; neither publishes them. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## HUB International vs USI Insurance Services Employment Practices Liability Compared | Criteria | HUB International Employment Practices Liability Insurance Brokerage | USI Employment Practices Liability Brokerage | | --- | --- | --- | | How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. [1](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on each page..) | | 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..) | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) | | 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..) | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) | | 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. [1](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..) | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. [2](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) | ## About HUB International and USI Insurance Services - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for HUB International vs USI Insurance Services - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi): 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) - [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices) ## Sources for HUB International vs USI Insurance Services ### 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 USI Insurance Services 2. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23. 3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. 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-usi/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)