Beazley vs 
Berkshire Hathaway Specialty Insurance: How Do They Compare for Employment Practices Liability Insurance?
Beazley gives EPL policyholders access to BeazleySure, with sexual-harassment training, a telephone hotline, wage-and-hour tutorials, and model policies in English and Spanish. Berkshire Hathaway Specialty Insurance offers EPL First to Executive First portfolio policyholders, including HR training, compliance resources, and an attorney helpline. 5,10
What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
Read the Beazley 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. 6,7,8,9
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. 11,12,13
Key Differences in Employment Practices Liability Insurance
What the Published Terms Emphasize
Both records identify practical prevention support, but Beazley lists tools tied closely to employment exposures, including wage-and-hour tutorials and bilingual model policies. Berkshire Hathaway Specialty Insurance describes a wider HR repository and attorney access. Employers should compare whether the tools match their workforce languages and whether helpline use is included for their specific form. 5 10
A Second Decision Point
Their structures also differ: Beazley offers EPL standalone and within ExecuGuard, while Berkshire Hathaway Specialty Insurance lists it inside the Private Company Portfolio with D&O, fiduciary, crime, and employed-lawyer coverages. Beazley says limits can reach $20 million; Berkshire Hathaway Specialty Insurance advertises up to $50 million across shared or separate portfolio limits. The larger portfolio figure is not automatically an EPL-only limit. 5 10
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.
Beazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley 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
Beazley vs Berkshire Hathaway Specialty Insurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Employment Practices Liability in Executive First Private Company Portfolio |
|---|---|---|
| Role in This Line | Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. 5,3Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular 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. 10Company-reported. This is portfolio marketing and does not show that EPL must be purchased with every other component. |
| Issuing Insurer | The EPL product page does not name the specific Beazley insurance entity that issues the policy. 5Not found in reviewed sources. EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer. | Confirm in your quote. |
| Who It’s For | Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. 5Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant. | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. 10Company-reported. This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote. |
| Coverage Features | The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. 5Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. 5Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote. | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. 10Company-reported. The source identifies the line but does not describe covered allegations, exclusions or terms. |
| Limits and Retentions | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. 5Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention. | BHSI advertises shared or separate portfolio limits up to $50 million. 10Company-reported. A portfolio-wide maximum is not an EPL limit or a quote. |
| Risk Services | EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. 5Company-reported. EPL product page service description; actual entitlements depend on the policy purchased. | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. 10Company-reported. The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder. |
| How to Apply | Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. 5Company-reported. EPL product page Tools & Resources section as read on 2026-09-23. | Confirm in your quote. |
| Claims Support | Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. 5Company-reported. EPL product page team listing; claims-handling quality is not independently assessed. | Confirm in your quote. |
Full Comparison
More Beazley vs Berkshire Hathaway Specialty Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Employment Practices Liability. Beazley; What we offer: employment law experts, superior claims handling, BeazleySure; How can we help: duty to defend/pay on behalf, industry-specific wordings, sublimits; Who we can help; Where is this offered: Worldwide; Tools & Resources. 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.
