Beazley vs Coverdash Employment Practices Liability Insurance

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.

Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. ⁹Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.

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.

The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. ⁹Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there.

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.

Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. ⁹Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule.

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.

Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. ⁹Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy.

Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. ⁹Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'.

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.

The EPLI page does not publish limit, retention or deductible amounts for the policy. ⁹Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote.

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.

Not described in the reviewed sources.

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.

You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. ⁹Company-reported. EPLI product page calls to action, read together with the provider record's general application facts.

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.

Not described in the reviewed sources.