Heffernan Insurance Brokers vs 
HUB International: How Do They Compare for Employment Practices Liability Insurance?
Heffernan Insurance Brokers places EPL for a range of business types and an older advisor article discusses wage-and-hour limits within the policy. HUB International brokers EPL through ProEx, supports claims through its legal-risk group, and flags 2026 pay-transparency laws.
HUB offers the stronger claims backup: attorneys in its ProEx practice support EPL matters from wording review through recovery. Heffernan is a natural first call for home-care agencies and family offices, but its public EPL coverage guidance dates from 2016. 6,1,2,3,5
What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Employment Practices Liability Insurance?
Executive-Risk Practice vs Industry Practice Groups
Both shop EPL rather than underwrite it. HUB places it inside its ProEx professional and executive risk practice, which it says places over $2 billion in premium, with no EPL size or industry list. Heffernan lists EPL on its general business page and in dedicated home-care agency and family-office practices. Choose Heffernan if you run a home-care agency or family office and want a broker who knows your industry; choose HUB if you want EPL coordinated with D&O and other executive coverages. 6 1 2 3
Attorney Claims Group vs No EPL Claims Advocacy Listed
HUB staffs a Claims & Legal Risks Group of attorneys who support EPL from pre-claim wording review through recovery, alongside analytics and litigation support. Heffernan's claims-advocacy page lists workers' compensation, general liability, auto and property, but not employment claims. If an employee sues, HUB documents who will help you; ask Heffernan the same question. 6 4
Pay-Transparency Alert vs 2016 Endorsement Advice
HUB flags pay-transparency laws taking effect in 2026 as relevant to EPL. Heffernan's coverage detail is a 2016 article recommending wage-and-hour cover, a 100% hammer clause (so you aren't penalized for refusing a settlement the insurer recommends), and an immigration-claim endorsement, noting wage-and-hour sublimits then commonly ran $100,000, sometimes $150,000 to $250,000. Treat those figures as a starting checklist, not current terms. 6 5
What Should You Confirm in Heffernan Insurance Brokers and HUB International Employment Practices Liability Insurance Quotes?
- Ask HUB how the attorney claims group would staff an EPL matter and whether pay-transparency claims are covered. 6
- Ask Heffernan which current insurers offer wage-and-hour, hammer-clause and immigration endorsements, and what sublimits they carry today. 5
- If you're a home-care agency or family office, ask each how they'd handle your industry specifically. 2 3 6
- Get limits and the issuing insurer from both; neither publishes them. 6 1
Heffernan Insurance Brokers vs HUB International Employment Practices Liability Compared
Heffernan Insurance Brokers vs HUB International: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | HUB International Employment Practices Liability Insurance Brokerage |
|---|---|---|
| Coverage Features | 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. 5Company-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. 6Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim. |
| Role in This Line | 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. 1Company-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. 6Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL. |
