Coalition vs 
Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?
Coalition offers EPL within Executive Risks for private and nonprofit organizations, with risk-management support. Heffernan Insurance Brokers shops and places EPL for a range of business types and has described wage-and-hour limits within the policy in an older advisor article.
Coalition is an EPL product for private and nonprofit employers of up to 1,000 people, with limits up to $10 million, sold through brokers; Heffernan is a broker that shops EPL, with dedicated home-care and family-office programs. Heffernan recommends wage-and-hour, full-consent and immigration add-ons. 1,3,4,5,7
What Are the Key Differences Between Coalition and Heffernan Insurance Brokers Employment Practices Liability Insurance?
A Defined Product vs a Broker That Shops the Market
Coalition designs EPL as one of four Executive Risks coverages, for private and nonprofit U.S. organizations with up to 1,000 employees, and sells it only through appointed brokers. Heffernan is a broker: it shops EPL through its general business, home-care agency, and family-office and financial-firm practices, and doesn't underwrite. Choose Coalition if you have up to 1,000 employees and want set limits plus HR tools; choose Heffernan if you run a home-care agency or family office, or want several insurers compared. 1 3 4 5
HR Tools vs Endorsement Advice
Coalition gives eligible Executive Risks policyholders an HR hotline, training and a handbook builder, and lists wrongful termination, discrimination, harassment and retaliation cover. Heffernan's EPL guidance tells you to request wage-and-hour cover, a 100% hammer clause (the insurer can't force a settlement on you by cutting its share) and an immigration endorsement. That advice dates to 2016, when it put wage-and-hour sublimits at typically $100,000 and sometimes $150,000 to $250,000; treat those numbers as history, not a quote. Coalition's sources don't mention these add-ons, so ask for them. 1 7
What Should You Confirm in Coalition and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?
- Ask Heffernan for current wage-and-hour sublimits and whether a 100% hammer clause and immigration endorsement are available. 7
- Ask Coalition whether wage-and-hour or immigration claims are covered. 1
- Ask Heffernan which insurer will issue your policy; Coalition names Zurich American for its admitted Executive Risks policies. 3 2
- Ask Heffernan who helps you with an EPL claim; its published claims-advocacy list doesn't include employment matters. 6
Coalition vs Heffernan Insurance Brokers Employment Practices Liability Compared
Coalition vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Employment Practices Liability (EPL) | Heffernan Employment Practices Liability Insurance |
|---|---|---|
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 1Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | 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 | Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 1Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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 | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 1Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. | 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 | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | 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. |
