Embroker vs Heffernan Insurance Brokers Employment Practices Liability Insurance

Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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.

Not described in the reviewed sources.

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.

Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. ⁴Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business.

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 Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. ⁴Company-reported. Product-page What's not included section.

Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. ⁴Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section.

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.

Not described in the reviewed sources.

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.

Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. ⁴Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services.

Not described in the reviewed sources.

Embroker offers an online quote for EPLI through its digital platform. ⁴Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.

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.