RiskCube vs 
TechInsurance: How Do They Compare for Employment Practices Liability Insurance?
RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims. TechInsurance arranges EPLI quotes for small businesses.
TechInsurance quotes EPLI through a short online application, often with a same-day certificate, and publishes a $257 median monthly price. RiskCube, a startup-focused broker, pitches EPLI for first hires but offers only a general contact form and no prices. 3,1
What Are the Key Differences Between RiskCube and TechInsurance Employment Practices Liability Insurance?
Contact Form vs Same-Day Online Quote
RiskCube's EPLI link opens a general contact form. TechInsurance takes a short online application and says certificates are usually available the same day. Choose TechInsurance if you need proof of cover quickly or want to see a price first; choose RiskCube if you're a startup that wants a broker conversation before buying. 1 2 3
First Hires vs Small Businesses Without HR
RiskCube says EPLI is critical for startups hiring their first employees or scaling fast. TechInsurance targets small businesses with a sizable workforce but no dedicated HR team, and publishes a median of $257 a month plus a yearly range. RiskCube publishes no premiums or limits. 1 3
What's Covered
RiskCube says EPLI covers current or former employees alleging wrongful termination, discrimination, harassment or retaliation. TechInsurance lists those plus mishandled benefits, breach of employment contract and invasion of privacy, usually on a claims-made form, and can pair EPLI with D&O. 1 3
What Should You Confirm in RiskCube and TechInsurance Employment Practices Liability Insurance Quotes?
- Ask RiskCube how long it takes to get you a quote and a certificate. 2 3
- Compare TechInsurance's quote with its published median; get RiskCube's premium, limit and retention together. 3 1
- Ask both whether the policy is claims-made and whether D&O is bundled. 3 1
- Ask both which insurer issues the policy. 1 3
RiskCube vs TechInsurance Employment Practices Liability Compared
RiskCube vs TechInsurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | RiskCube Employment Practices Liability Insurance | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| Who It’s For | 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. 1Company-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. 3Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| Coverage Features | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 1Company-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. 3Company-reported. EPLI product page; general policy description, not a specific policy form. |
| Role in This Line | 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. 1Company-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. 3Company-reported. EPLI product page. |
