---
title: "Beazley vs TechInsurance: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-techinsurance/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-techinsurance"
provider-a: "beazley"
provider-b: "techinsurance"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-techinsurance/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Beazley and TechInsurance for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Beazley versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs TechInsurance for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Beazley or TechInsurance?
- What does Beazley or TechInsurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Beazley and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 with same-day certificates and a $257 monthly median; Beazley writes limits up to $20 million through paper applications for larger and hard-to-place employers.

## Beazley vs TechInsurance Employment Practices Liability Insurance Summary

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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

## 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

### 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")
- Compare quotes at the same limit and deductible; TechInsurance's median depends on both. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Ask whether wage-and-hour claims are included, sublimited or excluded. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Ask whether TechInsurance's same-day certificate applies to your business class. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability")

## Beazley vs TechInsurance Employment Practices Liability Compared

| 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page coverage description; exclusions and conditions are set by the issued policy..)<br><br>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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |

## About Beazley and TechInsurance and Employment Practices Liability

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Beazley vs TechInsurance

- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Beazley Employment Practices Liability Insurance](https://spot.insure/insurance-providers/beazley/employment-practices)
- [TechInsurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/techinsurance/employment-practices)

## Sources for Beazley vs TechInsurance

### Sources About Beazley

1. [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/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.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-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.

### Sources About TechInsurance

3. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions?. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-techinsurance/employment-practices.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)