---
title: "Coalition vs Heffernan Insurance Brokers: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-heffernan/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-heffernan"
provider-a: "coalition"
provider-b: "heffernan"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-heffernan/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Heffernan Insurance Brokers for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Coalition versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Heffernan Insurance Brokers for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Coalition or Heffernan Insurance Brokers?
- What does Coalition or Heffernan Insurance Brokers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Coalition and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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's Executive Risks EPL offers up to $10 million and HR tools for private and nonprofit employers of up to 1,000 people; Heffernan is a broker with EPL programs for home-care agencies and family offices.

## Coalition vs Heffernan Insurance Brokers Employment Practices Liability Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## 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](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Ask Coalition whether wage-and-hour or immigration claims are covered. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Ask Heffernan which insurer will issue your policy; Coalition names Zurich American for its admitted Executive Risks policies. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Heffernan who helps you with an EPL claim; its published claims-advocacy list doesn't include employment matters. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## Coalition vs Heffernan Insurance Brokers Employment Practices Liability Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found..) |

## About Coalition and Heffernan Insurance Brokers

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Coalition vs Heffernan Insurance Brokers

- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Coalition Employment Practices Liability Insurance](https://spot.insure/insurance-providers/coalition/employment-practices)
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices)

## Sources for Coalition vs Heffernan Insurance Brokers

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.
4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). 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.
5. [Family Office](https://www.heffins.com/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.
6. [Claims Advocacy](https://www.heffins.com/business-insurance/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.
7. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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