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 Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 6,7
Read the Counterpart 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. 10,11,12
Key Differences in Employment Practices Liability Insurance
Who Underwrites
Beazley describes EPL as standalone or part of ExecuGuard and gives employers a choice between duty-to-defend and pay-on-behalf claim handling. Counterpart’s reviewed claims identify employment allegations and illustrative limits without naming a comparable defense option. Ask which defense structure the quote uses because it changes who selects and directs counsel. 5 8
Coverage Structure
Beazley advertises limits up to $20 million and includes BeazleySure resources such as harassment training, a hotline, wage-and-hour tutorials, and model policies. Counterpart labels its public limits and retentions illustrative. For a larger employer, compare available limit and sublimits; for HR support, confirm whether resources are included with the specific policy. 5 8
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 reviewsCounterpart
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsOffering Details
Beazley vs Counterpart: Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Counterpart Employment Practices Liability |
|---|---|---|
| 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. | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. 6,9Company-reported. This does not identify the carrier for an EPL placement. |
| 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. | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. 8Company-reported. The source summary does not establish a size, industry, state or applicant acceptance rule. |
| 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. | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. 8Company-reported. The retained page description does not supply the policy’s complete covered-claim definition or exclusions. |
| 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. | Counterpart labels its published EPL limit and retention figures as illustrative examples. 8Company-reported. Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer. |
| 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. | Confirm in your quote. |
| 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 Counterpart 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.
Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Counterpart, Inc.; Retained provider source: product page lists eligibility, employment allegations and illustrative limits/retentions; prior access 2026-09-28. Direct reopen timed out in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
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.
