RiskCube vs TechInsurance Employment Practices Liability Insurance

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. ⁴Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. ⁸Company-reported. EPLI product page.

Not described in the reviewed sources.

The reviewed page does not name the issuing insurer for an EPLI policy. ⁸Not publicly disclosed. EPLI product page as read on 2026-09-23.

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. ⁴Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. ⁸Company-reported. EPLI product page, Why do I need employment practices liability insurance? section.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ⁴Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. ⁸Company-reported. EPLI product page; general policy description, not a specific policy form.

The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. ^4,5Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote.

TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ⁸Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

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. ⁵Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later.

You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁸Company-reported. EPLI product page.