Chubb vs Heffernan Insurance Brokers Employment Practices Liability Insurance

Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. ⁴Company-reported. ForeFront Portfolio EPL product sheet.

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.

Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ⁴Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

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.

Not described in the reviewed sources.

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 Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. ⁴Company-reported. Coverage Highlights list; subject to the policy as issued.

Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. ⁴Company-reported. Coverage Highlights list.

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.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ⁴Not found in reviewed sources. Claims Scenarios section; illustrative examples, not policy terms.

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.

Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ⁴Company-reported. Coverage Highlights list; company-described service program.

Not described in the reviewed sources.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ⁵Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.

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.

Not described in the reviewed sources.

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.