Harper vs Heffernan Insurance Brokers Workers’ Compensation Insurance

Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ³Company-reported. Workers compensation page introduction and 'Why Harper' section.

Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^6,9Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.

The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. ³Not publicly disclosed. Checked the workers compensation page on 2026-09-23; no carrier is named for this line.

The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. ^6,8Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. ³Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'.

Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. ^7,8Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule.

Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ³Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.

Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^7,8Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.

Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. ³Not publicly disclosed. Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote.

The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. ^6,7Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ³Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.

Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^9,8Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.

You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. ³Company-reported. Workers compensation page quote form and 'Why Harper' process steps.

Not described in the reviewed sources.

Not described in the reviewed sources.

Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. ⁹Company-reported. Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance.