Berkshire Hathaway Specialty Insurance vs 
Embroker: How Do They Compare for Employment Practices Liability Insurance?
Berkshire Hathaway Specialty Insurance names private companies with at least $10 million in revenue among Executive First portfolio targets. Embroker says most businesses with employees may qualify for EPLI, while identifying a current anti-discrimination policy and employee handbook as signs of a stronger underwriting candidate. 5,9
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 Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 6,7,8
Read the Embroker 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
The target profiles differ: a smaller employer may be able to start Embroker’s online quote, while a larger private business can ask Berkshire Hathaway Specialty Insurance about its multi-line portfolio. Embroker also says a recent EPL lawsuit or having no employees makes a business a poor candidate. Those screening details can help you prepare before submitting an application. 5 9
Buyer Fit and Practical Support
Embroker includes free HR services managed by Excelerator, including a portal, handbook review, HR helpline, and compliance training. Berkshire Hathaway Specialty Insurance provides EPL First with training, compliance resources, and an attorney helpline. Both describe prevention help, but Embroker names document review and Berkshire Hathaway Specialty Insurance’s resource is tied to Executive First policyholders. 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 reviewsEmbroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Embroker: Employment Practices Liability Insurance: documented features by provider
| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Embroker 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. | Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). 9Company-reported. Product-page description; not a statement about the issuing insurer. |
| 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. | Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. 9Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business. |
| 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. | Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. 9Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. 9Company-reported. Product-page What's not included section. Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. 9Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section. |
| 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. | Confirm in your 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. | Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. 9Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services. |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for EPLI through its digital platform. 9Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. |
Full Comparison
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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.
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Employment Practices Liability Insurance (EPLI) Coverage Defined. Embroker; Why it's essential; Who needs this coverage; What is Employment Practices Liability insurance?; What's covered; What's not included; Free access to valuable HR consulting services with Excelerator; What are the eligibility requirements?; What are claims-made vs. occurrence policies? 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.
