Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance

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. ³Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ¹¹Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ³Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23.

No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. ¹¹Not found in reviewed sources. Checked the ProEx page 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. ^3,4,5Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. ¹¹Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria.

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. ⁷Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.

HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ¹¹Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

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. ⁷Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.

Published EPL policy limits or retentions were not found on the ProEx page. ¹¹Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ¹¹Company-reported. ProEx page team and services description; not specific to a single EPL engagement.

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. ³Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ¹¹Company-reported. ProEx page call to action.

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. ⁶Not 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.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ¹¹Company-reported. ProEx page claims and legal support section.