CNA vs Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?

CNA’s ©2022 brochure lists allegations including discrimination and retaliation; Heffernan’s 2016 general article recommends asking markets about wage-and-hour, hammer-clause and immigration terms. ^4,¹¹

CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. ^1,^2,³

Read the CNA profile

Read the CNA Employment Practices Liability Insurance page

What Is Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. ^5,^6,⁷

Read the Heffernan Insurance Brokers profile

Read the Heffernan Insurance Brokers Employment Practices Liability Insurance page

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. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Employment Practices Liability Insurance

Named allegations and optional terms

CNA’s ©2022 Epack 3 brochure lists discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. Heffernan’s 2016 educational article describes EPL as modular and recommends asking current markets about wage-and-hour coverage, a 100% hammer clause and immigration claims; it is not a current Heffernan product specification. If one of those exposures matters, ask Heffernan whether it is available today and ask CNA for current endorsements rather than assuming a brochure list defines the issued form. ⁴ ¹¹

Brokerage versus product description

Heffernan describes EPL as part of its business-insurance brokerage and places policies with insurers. CNA’s ©2022 brochure describes its Epack 3 EPL line under the CNA brand, but the claim scope says the issuing company can vary by form and state. This changes what you need to inspect: ask Heffernan which market and insurer it recommends, and confirm CNA’s named issuer on its proposal. ⁷ ⁴

What to Confirm in Employment Practices Liability Insurance Quotes

Can Heffernan obtain current wage-and-hour or immigration terms, and which carrier offers them? ¹¹
Which current CNA form, issuer and endorsements apply in your state? ⁴

CNA and Heffernan Insurance Brokers Review Scores for 2026

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.

CNA Review Score

9.0/ 10

Review Score

1 rated source

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.^[1]^[5]

Read CNA reviews

Heffernan Insurance Brokers Review Score

5.2/ 10

Review Score

1 rated source

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.^[6]^[7]^[8]

Read Heffernan Insurance Brokers reviews

CNA vs Heffernan Insurance Brokers Employment Practices Liability Compared

CNA vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider

Criteria	CNA Epack 3 Employment Practices Liability	Heffernan Employment Practices Liability Insurance
Role in This Line	Confirm in your quote.	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. ⁷Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.
Issuing Insurer	Confirm in your quote.	The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ⁷Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23.
Who It’s For	CNA identifies private, nonprofit and public organizations among the potential EPL customer classes. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Eligibility remains subject to underwriting and policy state. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	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. ^7,^8,⁹Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.
Coverage Features	CNA EPL covers allegations including discrimination, harassment, retaliation, failure to hire or promote, wrongful discipline and employment-contract breach. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current. CNA says EPL coverage can address third-party discrimination/harassment and acts involving volunteers, interns and independent contractors. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	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. ¹¹Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.
Limits and Retentions	Confirm in your quote.	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. ¹¹Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.
Risk Services	CNA advertises Beyond HR workplace training/resources and an employment-law helpline; it says the helpline does not provide legal advice on specific acts or claims. ⁴Company-reported. Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Employment Practices Liability services Jurisdiction: United States Research source scope: U.S. EPL under Epack 3; issuer/state terms vary Claim limitation: Services are not legal representation or a guarantee of coverage. Dated source: brochure ©2022; do not silently present this service or coverage detail as current. Source/date qualification: Copyright ©2022; brochure/service information is dated and should not be silently represented as current.	Confirm in your quote.
How to Apply	Confirm in your quote.	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. ⁷Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23.
Claims Support	Confirm in your quote.	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. ¹⁰Not 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.

Related Pages for CNA vs Heffernan Insurance Brokers

Employment Practices Liability Pages for CNA and Heffernan Insurance Brokers

Other Coverage Lines Compared for CNA vs Heffernan Insurance Brokers

Other Employment Practices Liability Insurance Provider Comparisons

Sources for CNA vs Heffernan Insurance Brokers

Sources About CNA

Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
Employment Practices Liability | CNA. CNA; pp. 1–3: wrongful practices, third-party acts, insured classes, risk services and claims. Accessed 2026-09-28.

Sources About Heffernan Insurance Brokers

Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs. Accessed 2026-09-23.
Home Care Business Insurance. Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23.
Family Office. Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23.
Claims Advocacy. Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.
Employment Practices Liability 101: What You Need to Know. Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23.

Sources for the 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.