--- title: "Berkshire Hathaway Specialty Insurance vs Counterpart: Employment Practices Liability Insurance" description: "Berkshire Hathaway Specialty Insurance includes EPL in a five-line portfolio with limits up to $50 million; Counterpart labels its published EPL figures illustrative." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-counterpart" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "counterpart" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Counterpart 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 Berkshire Hathaway Specialty Insurance versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs Counterpart for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Berkshire Hathaway Specialty Insurance or Counterpart? - What does Berkshire Hathaway Specialty Insurance or Counterpart publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Berkshire Hathaway Specialty Insurance or Counterpart? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Counterpart. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Counterpart Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Counterpart D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Counterpart General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Counterpart: How Do They Compare for Employment Practices Liability Insurance? Berkshire Hathaway Specialty Insurance includes EPL in a five-line portfolio with limits up to $50 million; Counterpart labels its published EPL figures illustrative. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Counterpart for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Berkshire Hathaway Specialty Insurance lists EPL in Executive First alongside D&O, fiduciary, crime, and employed-lawyer coverage, with shared or separate portfolio limits up to $50 million. Counterpart publishes example EPL limits and retentions but labels those figures illustrative, so they do not establish what a buyer will receive. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") ## 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. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [11](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [12](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Portfolio Design and Capacity The two disclosures serve different purposes: Berkshire Hathaway Specialty Insurance gives a portfolio ceiling, while Counterpart provides an example that still needs confirmation. Neither number alone shows the available EPL limit for your organization. Request a quote schedule with the EPL amount, retention, and whether other management claims reduce it. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") ### Buyer Fit and Practical Support Berkshire Hathaway Specialty Insurance identifies private companies with at least $10 million in revenue among its portfolio targets. Counterpart’s public page places EPL within a business-insurance catalogue but does not publish an equivalent employer-size threshold in its reviewed claims. A growing company should test its actual workforce and revenue with each underwriter. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Counterpart to replace its illustrative EPL figures with carrier-backed limits and retention. Ask Berkshire Hathaway Specialty Insurance for a line-by-line schedule showing how much of its shared or separate portfolio limit applies to EPL. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") ## Offering Details | Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Counterpart Employment Practices Liability | | --- | --- | --- | | Role in This Line | BHSI lists Employment Practices Liability within its Executive First Private Company Portfolio comprehensive form with D&O, fiduciary, Commercial Crime and employed-lawyer insurance. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is portfolio marketing and does not show that EPL must be purchased with every other component..) | Counterpart says insurance is offered through its producer and surplus-lines broker and describes wholesale-broker distribution. [6](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [9](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This does not identify the carrier for an EPL placement..) | | Who It’s For | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote..) | Counterpart publishes a dedicated Employment Practices Liability product page within its business-insurance catalogue. [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The source summary does not establish a size, industry, state or applicant acceptance rule..) | | Coverage Features | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source identifies the line but does not describe covered allegations, exclusions or terms..) | Counterpart’s EPL page lists employment-related allegations as examples of the exposure its product addresses. [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: The retained page description does not supply the policy’s complete covered-claim definition or exclusions..) | | Limits and Retentions | BHSI advertises shared or separate portfolio limits up to $50 million. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: A portfolio-wide maximum is not an EPL limit or a quote..) | Counterpart labels its published EPL limit and retention figures as illustrative examples. [8](https://yourcounterpart.com/products/epli "Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Examples are not guaranteed or quoted terms; the assigned source record does not preserve a universal numeric offer..) | | Risk Services | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder..) | Confirm in your quote. | ## Full Comparison - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart): 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. - [Berkshire Hathaway Specialty Insurance vs Counterpart Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/crime) - [Berkshire Hathaway Specialty Insurance vs Counterpart D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Counterpart General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/general-liability) - [Berkshire Hathaway Specialty Insurance vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/professional-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) - [AIG vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/employment-practices) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) - [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) - [Amelia Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/employment-practices) ## Sources ### Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). 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. 2. [About Us](https://www.bhspecialty.com/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. 3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). 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. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/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. 5. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/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. ### Counterpart 6. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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. 7. [About Counterpart](https://yourcounterpart.com/about). 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. 8. [Employment Practices Liability Insurance](https://yourcounterpart.com/products/epli). 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. 9. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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 10. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 11. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). 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. 12. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). 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. Updated 2026-09-30. 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. ## Berkshire Hathaway Specialty Insurance Reviews Review Score: not enough ratings. 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. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## Counterpart Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart/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)