--- title: "Heffernan Insurance Brokers vs HUB International: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/heffernan-vs-hub-international/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-hub-international" provider-a: "heffernan" provider-b: "hub-international" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/heffernan-vs-hub-international/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International 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 Heffernan Insurance Brokers versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Heffernan Insurance Brokers vs HUB International for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or HUB International? - What does Heffernan Insurance Brokers or HUB International publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and HUB International. - 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:** - [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) — all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile # 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 backs EPL claims with an attorney-staffed ProEx group, while Heffernan places EPL through home-care, family-office and general business practices but documents coverage only in a 2016 article. ## Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance Summary 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office") [5](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 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") ### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") ## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Ask Heffernan which current insurers offer wage-and-hour, hammer-clause and immigration endorsements, and what sublimits they carry today. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") - If you're a home-care agency or family office, ask each how they'd handle your industry specifically. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office") [6](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Get limits and the issuing insurer from both; neither publishes them. [6](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## Heffernan Insurance Brokers vs HUB International Employment Practices Liability Compared | 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. [5](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. [6](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..) | | 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. [1](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. [6](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..) | ## About Heffernan Insurance Brokers and HUB International - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Heffernan Insurance Brokers vs HUB International - [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): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices) - [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices) ## Sources for Heffernan Insurance Brokers vs HUB International ### Sources About Heffernan Insurance Brokers 1. [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. 2. [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. 3. [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. 4. [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. 5. [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. ### Sources About HUB International 6. [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. 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). 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