Coverdash vs Heffernan Insurance Brokers Employment Practices Liability Insurance

Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. ⁴Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given 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.

The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. ⁴Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there.

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.

Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. ⁴Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule.

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 Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. ⁴Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy.

Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. ⁴Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'.

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.

The EPLI page does not publish limit, retention or deductible amounts for the policy. ⁴Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a 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.

You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. ⁴Company-reported. EPLI product page calls to action, read together with the provider record's general application facts.

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.

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. 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.