Berkshire Hathaway Specialty Insurance vs 
Coverdash: How Do They Compare for 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance page
What Is Coverdash Insurance?
Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. 6,7,8
Read the Coverdash 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
Portfolio Design and Capacity
Both can connect employment risk to management liability, but Berkshire Hathaway Specialty Insurance names a comprehensive form while Coverdash describes an arrangement across its insurer panel. The buyer should compare whether each quote shares an aggregate, which insurer issues each section, and whether the package changes the EPL retention. Coverdash’s reviewed page does not publish policy limits. 5 9
Buyer Fit and Practical Support
Coverdash markets EPLI to any business with employees and routes buyers through an online quote flow; Berkshire Hathaway Specialty Insurance names private companies with at least $10 million in revenue among its target accounts. A small employer can begin Coverdash’s digital intake, while a larger private company may want to test Berkshire Hathaway Specialty Insurance’s portfolio appetite. These are stated targeting routes, not guaranteed eligibility. 5 9
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.
Berkshire Hathaway Specialty Insurance
Review Score
No reviews found
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.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsCoverdash
Review Score
2 rated sources
Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.[1][4][6]
Read Coverdash reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Coverdash: Employment Practices Liability Insurance: documented features by provider
| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Coverdash Employment Practices Liability Insurance |
|---|---|---|
| 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. 5Company-reported. This is portfolio marketing and does not show that EPL must be purchased with every other component. | 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. |
| Issuing Insurer | Confirm in your quote. | 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. |
| Who It’s For | BHSI identifies private companies with at least $10 million in revenue among portfolio target accounts. 5Company-reported. This is the portfolio’s target segment, not an eligibility guarantee for an EPL quote. | 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. |
| Coverage Features | BHSI explicitly includes Employment Practices Liability in the listed portfolio form. 5Company-reported. The source identifies the line but does not describe covered allegations, exclusions or terms. | 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?'. |
| Limits and Retentions | BHSI advertises shared or separate portfolio limits up to $50 million. 5Company-reported. A portfolio-wide maximum is not an EPL limit or a quote. | 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. |
| Risk Services | The portfolio page says policyholders can access EPL First, an online repository of HR training and compliance resources and an attorney helpline. 5Company-reported. The page describes portfolio services; it does not state the helpline’s scope or availability for every policyholder. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Coverdash Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Berkshire Hathaway Specialty Insurance
- At A Glance. 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.
- 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.
- Terms of Service. 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.
- Public Disclosure — 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.
- Executive First 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.
Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Employment Practices Liability Insurance. Coverdash; Hero description; Types of Coverage: Wrongful termination, Discrimination, Harassment, Retaliation and more; Who it's for; FAQ: What does EPLI cover?, Do small businesses need EPLI?, Is EPLI part of management liability? Accessed 2026-09-23.
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.
