Beazley vs TechInsurance: How Do They Compare for Employment Practices Liability Insurance?

Beazley insures EPL nationwide and publishes limits up to US $20 million; TechInsurance targets small businesses with online quotes and describes cover for discrimination claims.

TechInsurance lets small businesses apply for EPLI online, usually with a certificate the same day, and reports a $257 monthly median premium. Beazley writes EPL limits up to $20 million through paper applications, with no self-serve quote and no published prices. ^3,¹

What Are the Key Differences Between Beazley and TechInsurance Employment Practices Liability Insurance?

Online Small-Business Buying vs Application-Based Capacity

TechInsurance takes a short online application, licensed agents can help, and a certificate is typically ready the day you buy. Beazley lists downloadable ExecuGuard, EPL renewal and staffing supplemental applications and doesn't describe a self-serve quote for new business. Choose TechInsurance if you're a small business without dedicated HR that needs proof of cover fast; choose Beazley if you have up to 30,000 employees, need limits in the millions, or work in a harder-to-place class. ¹ ³

Price and Limit Disclosure

TechInsurance reports that its EPLI customers pay a median of $257 a month, with most paying about $750 to more than $14,000 a year depending on profession, limits, deductible, headcount, turnover and claims history. That's its own book, not a rate table, but it gives you a benchmark. Beazley advertises limits up to $20 million and publishes no premiums or retentions. ¹ ³

Industry Forms vs Standard Small-Business Cover

Beazley writes the policy itself and lists industry-specific wordings plus defense sublimits for immigration, OSHA and wage-and-hour claims. TechInsurance arranges EPLI standalone or with D&O, typically claims-made, covering discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy. It doesn't name the insurer behind its policies. ¹ ³

What Should You Confirm in Beazley and TechInsurance Employment Practices Liability Insurance Quotes?

Ask TechInsurance which insurer would issue your policy and whether a Beazley form is an option. ³ ¹
Compare quotes at the same limit and deductible; TechInsurance's median depends on both. ¹ ³
Ask whether wage-and-hour claims are included, sublimited or excluded. ¹ ³
Ask whether TechInsurance's same-day certificate applies to your business class. ³ ¹

Beazley vs TechInsurance Employment Practices Liability Compared

Beazley vs TechInsurance: Employment Practices Liability Insurance: documented features by provider

Criteria	Beazley Employment Practices Liability	TechInsurance Employment Practices Liability Insurance (EPLI)
Limits and Retentions	Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. ¹Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention.	TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. ³Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.
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. ¹Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.	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.
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. ¹Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.	You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ³Company-reported. EPLI product page.
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. ¹Company-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. ¹Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.	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	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. ^1,²Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.	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.