Berkshire Hathaway Specialty Insurance vs 
Zurich U.S.: How Do They Compare for Employment Practices Liability Insurance?
Berkshire Hathaway Specialty Insurance places EPL in Executive First alongside D&O, fiduciary, crime, and employed-lawyer coverages. Zurich says EPL customers can access workplace-law resources, training, an employment hotline, sample policies, and checklists, though some portal services may cost extra. 5,8
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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
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. 9,10,11
Key Differences in Employment Practices Liability Insurance
What the Published Terms Show
Berkshire Hathaway Specialty Insurance advertises shared or separate portfolio limits up to $50 million; Zurich’s reviewed EPL page does not give a universal limit in these claims. Zurich’s added resources are employment-specific, but some may carry charges. Compare Berkshire Hathaway Specialty Insurance’s EPL allocation with Zurich’s quote and ask which tools are included at no added cost. 5 8
Structure and Buyer Fit
Zurich describes coverage for defense costs, judgments, and settlements involving discrimination, harassment, retaliation, termination, and hiring or promotion allegations. It also identifies broad employee definitions, third-party coverage availability, worldwide territory where legally permissible, and optional endorsements. Berkshire Hathaway Specialty Insurance’s portfolio overview does not enumerate these provisions, so compare the actual form wording. 5 8
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 reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Zurich U.S.: Employment Practices Liability Insurance: documented features by provider
| Criteria | Employment Practices Liability in Executive First Private Company Portfolio | Zurich 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Zurich U.S. Comparisons
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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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
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.
