Beazley vs 
Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?
Beazley insures EPL nationwide and advertises limits up to US $20 million, while Heffernan Insurance Brokers places the line and has discussed wage-and-hour extensions and limits.
Beazley sells you its own EPL policy with published terms, a choice of who controls your defense and in-house employment claims staff; Heffernan shops EPL for business, home-care and family-office clients but publishes no current policy terms. 1,2,3,7
What Are the Key Differences Between Beazley and Heffernan Insurance Brokers Employment Practices Liability Insurance?
Insurer With Published Terms vs Broker Without Them
Beazley is the insurer: it sells EPL on its own and inside ExecuGuard, considers employers up to 30,000 employees across industries, and sets no headcount cap for staffing firms. Heffernan is a broker that lists EPL for general businesses, home-care agencies and family offices, and does not say which insurers it uses. You can read Beazley's terms before you apply; with Heffernan you see terms only on a quote. Choose Beazley if you want to apply directly on known terms, especially as a staffing firm or large employer; choose Heffernan if you run a home-care agency or family office and want EPL placed with your other cover. 1 2 3 4 5
Defense Control and Claims Help
Beazley lets you choose duty to defend (the insurer runs your defense) or pay on behalf (you pick counsel and the insurer pays), and uses dedicated employment claims staff. Heffernan's claims-advocacy page covers workers' compensation, general liability, auto and property, not employment claims. Heffernan's 2016 article tells buyers to request a 100% hammer clause, so you are not penalized for refusing a settlement the insurer recommends; ask for it on any quote. 1 6 7
Wage-and-Hour and Immigration
Beazley includes sublimited defense costs for wage-and-hour, immigration and OSHA matters and sells wage-and-hour indemnity separately as Workplace Protect. Heffernan's 2016 article flags the same gaps and cites wage-and-hour sublimits then commonly at $100,000, sometimes $150,000 to $250,000. Those figures are dated, so get the current sublimit on any quote. 1 7
What Should You Confirm in Beazley and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?
- Ask Heffernan which insurers it will approach for your class, and whether Beazley is one. 3 1
- Choose duty-to-defend or pay-on-behalf on a Beazley quote, and ask whether Heffernan's placement has a 100% hammer clause. 1 7
- Get today's wage-and-hour sublimit, or Workplace Protect pricing from Beazley. 1 7
- Download Beazley's EPL, ExecuGuard or staffing application to start; Heffernan offers no EPL online quote. 1 3
Beazley vs Heffernan Insurance Brokers Employment Practices Liability Compared
Beazley vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider
| Criteria | Beazley Employment Practices Liability | Heffernan Employment Practices Liability Insurance |
|---|---|---|
| Limits and Retentions | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. 1Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention. | The same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. 7Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today. |
| Who It’s For | Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. 1Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant. | EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. 3,4,5Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically. |
| Coverage Features | The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. 1Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy. Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. 1Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote. | In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. 7Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms. |
| Role in This Line | Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. 1,2Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy. | Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. 3Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found. |
