Beazley vs Heffernan Insurance Brokers Employment Practices Liability Insurance

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. ^5,3Company-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. ⁸Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.

The EPL product page does not name the specific Beazley insurance entity that issues the policy. ⁵Not found in reviewed sources. EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer.

The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ⁸Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23.

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. ⁵Company-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. ^8,9,10Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

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. ⁵Company-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. ⁵Company-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. ¹²Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.

Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. ⁵Company-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. ¹²Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.

EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. ⁵Company-reported. EPL product page service description; actual entitlements depend on the policy purchased.

Not described in the reviewed sources.

Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. ⁵Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.

The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. ⁸Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23.

Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. ⁵Company-reported. EPL product page team listing; claims-handling quality is not independently assessed.

Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. ¹¹Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it.