What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
Read the Liberty Mutual profile
Read the Liberty Mutual Employment Practices Liability Insurance page
What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 4,5,6
Read the RiskCube Employment Practices Liability Insurance page
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. 9,10,11
What Are the Key Differences Between Liberty Mutual and RiskCube Employment Practices Liability Insurance?
What the records say about coverage
RiskCube’s catalogue describes EPLI for claims by current or former employees alleging wrongful termination, discrimination, harassment or retaliation. Liberty Mutual’s overview calls out third-party coverage within ProShield. The records therefore differ in the claimant scope they spell out: buyers should confirm whether RiskCube’s proposed form extends beyond employees and which third parties qualify under ProShield. 7 3
Choosing a route and reviewing terms
RiskCube frames EPLI around startups hiring their first employees or scaling teams and sells it through an independent brokerage. Liberty Mutual describes private-company and not-for-profit ProShield options without an EPL-specific headcount threshold. A first-time employer can compare the startup-focused entry point with ProShield’s package class, but neither record establishes eligibility or limits for a particular applicant. 7 3
What Should You Confirm in Liberty Mutual and RiskCube Employment Practices Liability Insurance Quotes?
- Does RiskCube’s quote cover third-party harassment or discrimination, and which employee claims trigger its policy? What ProShield class fits this employer? Compare insurers, limits, retentions and exact claimant definitions.
Liberty Mutual and RiskCube Review Scores for 2026
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.
Liberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsRiskCube Review Score
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsLiberty Mutual vs RiskCube Employment Practices Liability Compared
Liberty Mutual vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | Liberty Mutual ProShield Employment Practices Liability | RiskCube Employment Practices Liability Insurance |
|---|---|---|
| Role in This Line | Liberty Mutual includes employment practices liability in its ProShield management-liability package. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
| Who It’s For | The source scopes the package to private and not-for-profit organizations and lists coverage for certain workers and volunteers; a quote is needed to establish applicant eligibility. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | The page describes protection for the financial impact of employment-related lawsuits and lists selected features including third-party coverage; exact definitions and exclusions depend on the policy. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 7Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 7,8Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. 8Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Related Pages for Liberty Mutual vs RiskCube
Employment Practices Liability Pages for Liberty Mutual and RiskCube
Other Coverage Lines Compared for Liberty Mutual vs RiskCube
Other Employment Practices Liability Insurance Provider Comparisons
Sources for Liberty Mutual vs RiskCube
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Sources About RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. 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.
- Contact RiskCube. 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.
Sources for the 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.
