Chubb vs 
Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?
Chubb insures EPL with broad claim protection; Heffernan Insurance Brokers places employment-practices coverage and has discussed wage-and-hour extensions and limits.
Chubb's ForeFront EPL lets you choose whether Chubb runs your defense and includes ChubbWorks loss-prevention tools for private companies, non-profits and healthcare. Heffernan is a broker that shops EPL for general businesses, home-care agencies and family offices, and its published EPL buying advice dates to 2016. 1,3,7
What Are the Key Differences Between Chubb and Heffernan Insurance Brokers Employment Practices Liability Insurance?
Chubb's Own Policy vs a Broker Who Shops Several
Chubb writes ForeFront EPL itself and sells it through appointed agents and brokers. Heffernan doesn't issue policies; it shops EPL as part of its corporate and executive-protection brokerage and doesn't name which insurers it uses. Choose Chubb if you're a private company, non-profit or healthcare organization that wants a known form with built-in defense options; choose Heffernan if you run a home-care agency or family office and want a broker to compare markets, possibly including Chubb. 1 2 3 4 5
Defense Control and Settlement Terms
Chubb's form lets you choose a Duty to Defend by Chubb option, and it covers a written request to toll or waive a statute of limitations. Heffernan's 2016 article tells buyers to ask for a 100% hammer clause, so the insurer pays settlement costs above an offer you decline. That's market commentary from 2016, not a current Heffernan form. 1 7
Extra Coverage Each Flags
Chubb includes independent-contractor claimants, early-engagement expense and ChubbWorks, but its sheet publishes no limits. Heffernan's 2016 note flags wage-and-hour cover and an immigration claim endorsement, citing then-common wage-and-hour sublimits of $100,000, with some markets at $150,000 to $250,000. 1 7
Claims Support
Heffernan's claims-advocacy page covers workers' compensation, general liability, auto and property, but doesn't list employment claims. If you place EPL through Heffernan, you may be dealing directly with the insurer at claim time. 6 3
What Should You Confirm in Chubb and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?
- Ask Heffernan whether it will approach Chubb ForeFront for you. 3 1
- Compare Chubb's duty-to-defend option with any hammer clause on a Heffernan-placed form; don't rely on 2016 dollar ranges. 1 7
- Get current wage-and-hour and immigration terms on each quote. 1 7
- Ask Heffernan who will handle an EPL claim for you. 6 1
Chubb vs Heffernan Insurance Brokers Employment Practices Liability Compared
Chubb vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Heffernan Employment Practices Liability Insurance |
|---|---|---|
| Coverage Features | 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. 1Company-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. 1Company-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. 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 | 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. 1Company-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. 3Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found. |
