---
title: "Gallagher vs Heffernan Insurance Brokers: Employment Practices Liability Insurance"
description: "Gallagher sizes your EPL and wage-and-hour limits from loss databases dating to 1997, including losses above $1 million, and covers class actions. Heffernan places EPL through general business, home-care and family-office practices, with endorsement advice drawn from a 2016 article."
canonical: "https://spot.insure/compare/gallagher-vs-heffernan/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-heffernan"
provider-a: "gallagher"
provider-b: "heffernan"
coverage-line: "employment-practices"
---

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

## Agent Guide

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Gallagher 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 2026-09-25.

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

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

Gallagher places EPL with outside carriers and uses predictive models and benchmarking to assess exposure. Heffernan Insurance Brokers shops and places EPL for a range of business types and an older advisor article discusses wage-and-hour limits within the policy.

Gallagher sets your EPL and wage-and-hour limits using loss databases going back to 1997; Heffernan is a broker with EPL practices for home-care agencies and family offices but publishes no limit-setting method.

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

Gallagher sizes your EPL and wage-and-hour limits from loss databases dating to 1997, including losses above $1 million, and covers class actions. Heffernan places EPL through general business, home-care and family-office practices, with endorsement advice drawn from a 2016 article. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.heffins.com/family-office/ "Family Office") [6](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 Gallagher and Heffernan Insurance Brokers Employment Practices Liability Insurance?

### Data-Driven Limit Advice vs Industry Practices

Both place EPL with insurers rather than underwrite it, and neither names the insurer. Gallagher’s Executive and Financial Risk team uses your data, predictive models, benchmarking and EPL and wage-and-hour loss databases begun in 1997, including losses over $1 million, to recommend limits. Heffernan lists EPL in its business insurance, home-care agency and family-office pages without describing any comparable method. Choose Gallagher if you want your limit backed by loss data; choose Heffernan if you run a home-care agency or family office. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](https://www.heffins.com/family-office/ "Family Office")

### Class-Action Protection vs Dated Endorsement Advice

Gallagher describes EPL as responding to harassment and wrongful termination, including class actions and single-plaintiff claims, and models exposure by employee count, type, mix and location. Heffernan’s coverage detail is a 2016 article urging buyers to ask for wage-and-hour cover, a 100% hammer clause and an immigration endorsement, noting wage-and-hour sublimits were then often $100,000 and sometimes $150,000–$250,000. That’s old market commentary, not a current form. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [6](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

### No Employment Claims Listed in Heffernan’s Advocacy

Heffernan’s claims-advocacy page covers workers’ comp, general liability, auto and property, not employment claims, and it has no online EPL quote. Gallagher’s EPL section focuses on limits and data, not claims advocacy. Ask either who will help you when an employee sues. [5](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [2](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Gallagher and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?

- Ask Gallagher how its benchmarking produced your recommended EPL and wage-and-hour limits. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Heffernan which insurers today offer wage-and-hour, a 100% hammer clause and immigration endorsements. [6](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Get the insurer’s name and confirm class-action defense on both placements. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## Gallagher vs Heffernan Insurance Brokers Employment Practices Liability Compared

| Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Heffernan Employment Practices Liability Insurance |
| --- | --- | --- |
| Who It’s For | Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [2](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [4](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 | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | 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. [6](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 | Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [2](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 Gallagher and Heffernan Insurance Brokers

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs Heffernan Insurance Brokers

- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-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.
- [Gallagher Employment Practices Liability Insurance](https://spot.insure/insurance-providers/gallagher/employment-practices)
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices)

## Sources for Gallagher vs Heffernan Insurance Brokers

### Sources About Gallagher

1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

2. [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.
3. [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.
4. [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.
5. [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.
6. [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 2026-09-25. 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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