Amelia Risk vs 
Berkshire Hathaway Specialty Insurance: How Do They Compare for Employment Practices Liability Insurance?
Amelia Risk advises startups and other employers to consider employment practices coverage around five to ten employees, earlier in California and New York. Berkshire Hathaway Specialty Insurance identifies private companies with at least $10 million in revenue among its Executive First portfolio targets. 4,13
What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
Read the Amelia Risk Employment Practices Liability Insurance page
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 9,10,11,12
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance 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. 14,15,16
Key Differences in Employment Practices Liability Insurance
What the Published Terms Emphasize
Those markers point to different stages of a company’s growth. A small team adding its first employees may fit Amelia Risk’s timing guidance well before it reaches Berkshire Hathaway Specialty Insurance’s stated revenue target. Amelia arranges coverage rather than underwriting it, while Berkshire Hathaway Specialty Insurance lists EPL as part of a package with D&O, fiduciary, crime, and employed-lawyer insurance. 4 13
A Second Decision Point
The service models also diverge. Berkshire Hathaway Specialty Insurance says policyholders can use EPL First for HR training, compliance resources, and an attorney helpline. Amelia’s reviewed EPL page describes common covered allegations but does not describe comparable HR services. Ask Amelia what carrier resources accompany a placement and ask Berkshire Hathaway Specialty Insurance whether the portfolio is available at your current revenue and workforce size. 4 13
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.
Amelia Risk
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia Risk reviewsBerkshire Hathaway Specialty Insurance
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsOffering Details
Amelia Risk vs Berkshire Hathaway Specialty Insurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Amelia Risk Employment Practices Liability (EPL) Insurance Brokerage | Employment Practices Liability in Executive First Private Company Portfolio |
|---|---|---|
| Role in This Line | Amelia Risk arranges EPL coverage for clients, describing and structuring the policy to protect the employer entity against employment-related claims, rather than underwriting it directly. 4Company-reported. EPL product page as of 23 September 2026. Does not establish who issues a particular client's policy. | BHSI lists Employment Practices Liability within its Executive First Private Company Portfolio comprehensive form with D&O, fiduciary, Commercial Crime and employed-lawyer insurance. 13Company-reported. This is portfolio marketing and does not show that EPL must be purchased with every other component. |
| Issuing Insurer | The reviewed pages do not name an insurer for EPL placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to EPL specifically. 4Not publicly disclosed. EPL product page, checked 23 September 2026. | Confirm in your quote. |
| Who It’s For | Amelia Risk lists EPL among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. 5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying EPL once a company reaches roughly five to ten employees and is hiring more, and advises employers in California and New York to buy earlier in that range because those states are more litigious for employment claims. 4Company-reported. EPL product page timing guidance as of 23 September 2026; a general recommendation, not a stated coverage requirement. | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. 13Company-reported. This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote. |
| Coverage Features | Amelia describes the EPL policy as protecting the employer against common claims including sexual harassment, wrongful termination, failure to promote or hire, discrimination, and hostile-work-environment claims. 4Company-reported. EPL product page description; the actual policy wording, defenses, and exclusions depend on the issuing insurer and the client's declarations. | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. 13Company-reported. The source identifies the line but does not describe covered allegations, exclusions or terms. |
| Limits and Retentions | Confirm in your quote. | BHSI advertises shared or separate portfolio limits up to $50 million. 13Company-reported. A portfolio-wide maximum is not an EPL limit or a quote. |
| Risk Services | The reviewed EPL page doesn't describe HR-related risk-control services, such as handbook or policy review, specific to EPL policyholders beyond the coverage description itself. 4Not found in reviewed sources. EPL product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them. | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. 13Company-reported. The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder. |
| Claims Support | The reviewed EPL page does not describe a claims-handling process specific to employment-practices claims. 4Not found in reviewed sources. EPL product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not EPL-specific. | Confirm in your quote. |
Full Comparison
More Amelia Risk vs Berkshire Hathaway Specialty Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Narrow industry-vertical focus; underwriters, brokers, and carrier partners; four-step process; claims advocacy sentence; specialty sections for startups, CPG, technology, and consumer products. Accessed 2026-09-16.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Employment Practices Liability (EPL). Amelia Risk Insurance Brokers; What's covered by an Employment Practices Liability (EPL) Policy?; When should a company buy an Employment Practices Liability (EPL) Policy? Accessed 2026-09-23.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Employment Practices Liability (EPL). Accessed 2026-09-23.
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30. Accessed 2026-09-30.
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.
