Berkshire Hathaway Specialty Insurance vs 
HUB International: How Do They Compare for Employment Practices Liability Insurance?
Berkshire Hathaway Specialty Insurance says Executive First policyholders can use EPL First for HR training, compliance resources, and an attorney helpline. HUB’s ProEx practice lists EPL and describes a Claims & Legal Risks Group of attorneys that supports management-liability claims from pre-claim policy-wording review through claim recovery. 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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 6,7,8
Read the HUB International profile
Read the HUB International 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 distinction is when the support is aimed: Berkshire Hathaway Specialty Insurance names prevention and HR guidance, while HUB describes claims preparation and advocacy. HUB also says its ProEx team offers analytics and risk-management services, but its public page does not publish EPL limits or name issuing insurers. Ask what support is included in the engagement and policy. 5 9
Buyer Fit and Practical Support
Berkshire Hathaway Specialty Insurance identifies private companies with at least $10 million in revenue as portfolio targets. HUB does not publish an EPL-specific size, state, or industry eligibility list and directs prospects to a ProEx specialist rather than online binding. Buyers should establish HUB’s placement appetite and Berkshire Hathaway Specialty Insurance’s revenue fit before comparing program terms. 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 reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs HUB International: Employment Practices Liability Insurance: documented features by provider
| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | HUB International Employment Practices Liability Insurance Brokerage |
|---|---|---|
| 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. | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. 9Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. |
| Issuing Insurer | Confirm in your quote. | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. 9Not found in reviewed sources. Checked the ProEx page on 2026-09-23. |
| 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. | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. 9Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria. |
| 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. | HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. 9Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. |
| 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. | Published EPL policy limits or retentions were not found on the ProEx page. 9Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations. |
| 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. | HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. 9Company-reported. ProEx page team and services description; not specific to a single EPL engagement. |
| How to Apply | Confirm in your quote. | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. 9Company-reported. ProEx page call to action. |
| Claims Support | Confirm in your quote. | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 9Company-reported. ProEx page claims and legal support section. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs HUB International 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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- HUB ProEx. HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. 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.
