What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Read the HUB International profile
Read the HUB International Employment Practices Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 8,9,10
Key Differences in Employment Practices Liability Insurance
Claims support and prevention tools
HUB says its Claims & Legal Risks Group includes attorneys specializing in executive-risk coverages such as EPL and supports clients from pre-claim policy-wording review through claim recovery. Zurich lists workplace-law resources, training, an employment hotline, sample policies, and checklists, with some portal services potentially costing extra. HUB’s described support centers on claim preparation and advocacy; Zurich’s list centers on workplace guidance and prevention. Buyers should compare who will review a potential claim before notice and which resources are available to employees and managers. 4 7
Coverage and access
HUB places EPL within its ProEx practice and directs prospects to a specialist rather than an online quote flow. The page flags pay-transparency laws taking effect in 2026 but does not describe EPL insuring agreements or exclusions. Zurich describes covered employment allegations and optional endorsements. An employer concerned about changing pay rules should ask HUB how its team will review the relevant wording and ask Zurich which endorsements or exclusions address those claims. 4 7
What to Confirm in Employment Practices Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
HUB International vs Zurich U.S.: Employment Practices Liability Insurance: documented features by provider
| Criteria | HUB International Employment Practices Liability Insurance Brokerage | Zurich 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. 4Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. | Confirm in your quote. |
| 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. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23. | Confirm in your quote. |
| 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. 4Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria. | Confirm in your quote. |
| 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. 4Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | Published EPL policy limits or retentions were not found on the ProEx page. 4Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4Company-reported. ProEx page team and services description; not specific to a single EPL engagement. | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 4Company-reported. ProEx page call to action. | Confirm in your quote. |
| 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. 4Company-reported. ProEx page claims and legal support section. | Confirm in your quote. |
Full Comparison
More HUB International vs Zurich U.S. Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- HUB ProEx. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
