---
title: "Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance"
description: "HUB’s ProEx team staffs attorney EPL claims support; Heffernan lists EPL for home-care and family offices and cites 2016 endorsement commentary."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance

HUB’s ProEx team staffs attorney EPL claims support; Heffernan lists EPL for home-care and family offices and cites 2016 endorsement commentary.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and HUB International for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB brokers EPL inside ProEx and describes a Claims & Legal Risks Group of attorneys supporting EPL from wording review through recovery. Heffernan places EPL across general business, home-care and family-office practices, and a 2016 article from its staff discusses wage-and-hour sublimits, a 100% hammer clause and immigration endorsements. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## What Is Heffernan Insurance Brokers?

Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [12](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### ProEx Executive Liability Versus Practice-Page Listings

HUB and Heffernan both shop EPL rather than underwrite it. HUB places the line inside ProEx Professional & Executive Risk, says ProEx places over $2 billion in premium with carriers it calls top-rated, and does not publish an EPL-specific size or industry list. Heffernan lists EPL on its general business-insurance page, its home-care agency practice, and its family-office and financial-firm practice. Neither set of reviewed pages names the issuing insurer. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")

### Current Claims Unit Versus 2016 Endorsement Notes

HUB describes analytics, litigation support and risk-management services, and a Claims & Legal Risks Group staffed by attorneys who specialize in ProEx coverages including EPL, from pre-claim wording review through recovery. It also flags pay-transparency laws in 2026 in an article title without spelling out EPL insuring agreements. Heffernan's coverage detail is a 2016 article recommending wage-and-hour coverage, a 100% hammer clause, and an immigration claim endorsement, with wage-and-hour sublimits then commonly $100,000 (sometimes $150,000–$250,000). That is dated commentary, not a current spec. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

### Intake and Claims Advocacy Pages

HUB asks EPL prospects to contact a ProEx specialist. Heffernan's reviewed pages describe no EPL-specific online quote. Heffernan's claims-advocacy page lists workers' compensation, general liability, auto and property, and does not list employment-related claims on that page. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask HUB how the attorney claims group would staff an EPL matter and whether pay-transparency wording is on the form. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask Heffernan which current carriers offer wage-and-hour, hammer-clause and immigration endorsements. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Confirm whether a home-care or family-office placement at Heffernan differs from a ProEx large-organization discussion at HUB. [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get limits from both; HUB's ProEx page does not publish EPL figures. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Offering Details

| Criteria | Heffernan Employment Practices Liability Insurance | HUB International Employment Practices Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [3](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..) | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL..) |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) |
| Who It’s For | 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](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..) | 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria..) |
| 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. [7](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..) | 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim..) |
| Limits and Retentions | 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. [7](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: 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single EPL engagement..) |
| How to Apply | 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not found in reviewed sources; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) |
| Claims Support | 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. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## Full Comparison

- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Heffernan Insurance Brokers vs HUB International Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk)
- [Heffernan Insurance Brokers vs HUB International Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-hub-international/business-owners-policy)
- [Heffernan Insurance Brokers vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cargo-transit)
- [Heffernan Insurance Brokers vs HUB International Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-auto)
- [Heffernan Insurance Brokers vs HUB International Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-hub-international/commercial-property)
- [Heffernan Insurance Brokers vs HUB International Crime Insurance](https://spot.insure/compare/heffernan-vs-hub-international/crime)
- [Heffernan Insurance Brokers vs HUB International Cyber Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cyber)
- [Heffernan Insurance Brokers vs HUB International Employee Health Benefits](https://spot.insure/compare/heffernan-vs-hub-international/employee-health-benefits)
- [Heffernan Insurance Brokers vs HUB International Fidelity Bonds](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds)
- [Heffernan Insurance Brokers vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/fiduciary)
- [Heffernan Insurance Brokers vs HUB International General Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/general-liability)
- [Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto)
- [Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice)
- [Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-hub-international/professional-errors-omissions)
- [Heffernan Insurance Brokers vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-hub-international/representations-warranties)
- [Heffernan Insurance Brokers vs HUB International Surety Bonds](https://spot.insure/compare/heffernan-vs-hub-international/surety-bonds)
- [Heffernan Insurance Brokers vs HUB International Trucking Insurance](https://spot.insure/compare/heffernan-vs-hub-international/trucking)
- [Heffernan Insurance Brokers vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-hub-international/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices)
- [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices)
- [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices)
- [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices)
- [Beazley vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/employment-practices)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.

### HUB International

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

12. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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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