Heffernan Insurance Brokers vs Lockton: How Do They Compare for Employment Practices Liability Insurance?

Heffernan Insurance Brokers shops and places EPL for a range of business types; an older advisor article discusses wage-and-hour limits within the policy. Lockton designs EPL programs for hiring organizations and says typical policies cover defense costs and damages.

Lockton publishes what a typical EPL policy it places covers, including investigations, third-party harassment, immigration claims and standalone wage-and-hour cover. Heffernan brokers EPL for general businesses, home-care agencies and family offices, but its detailed EPL guidance is a 2016 article. ^6,^1,^2,^3,⁵

What Are the Key Differences Between Heffernan Insurance Brokers and Lockton Employment Practices Liability Insurance?

Current Coverage Detail vs 2016 Commentary

Lockton says a typical policy it places covers defense for employee claims and official investigations, third-party discrimination or harassment, punitive damages where insurable and immigration-related claims, plus standalone wage-and-hour because EPL typically excludes it. Heffernan's comparable detail is a 2016 article that tells buyers to ask for wage-and-hour cover, a 100% hammer clause (the insurer pays settlement costs above an offer you decline) and an immigration endorsement, citing sublimits then often $100,000. Choose Lockton if you want current, published coverage features and claims counsel from day one; choose Heffernan if you run a home-care agency or family office and want a broker that works in those niches. ⁶ ⁵ ² ³

Any Employer vs Named Niches

Lockton says any organization that hires people, regardless of size, industry, location, union status or use of contractors, faces employment risk. Heffernan lists EPL on its general business, home-care agency and family-office pages. Neither names the insurers it uses. ⁶ ¹ ² ³

Claims Counsel

Lockton's Professional & Executive Risk Claims team puts claims counsel in your broking team from the start. Heffernan's claims-advocacy page covers workers' compensation, general liability, auto and property, but not employment claims. ⁶ ⁴ ¹

What Should You Confirm in Heffernan Insurance Brokers and Lockton Employment Practices Liability Insurance Quotes?

Ask Lockton whether wage-and-hour is a separate policy and whether third-party, punitive and immigration grants are included. ⁶
Ask Heffernan which current insurers will write those items and a 100% hammer clause; don't rely on 2016 figures. ⁵
Ask Heffernan who will support you on an EPL claim. ⁴ ⁶

Heffernan Insurance Brokers vs Lockton Employment Practices Liability Compared

Heffernan Insurance Brokers vs Lockton: Employment Practices Liability Insurance: documented features by provider

Criteria	Heffernan Employment Practices Liability Insurance	Lockton Employment Practices Liability (EPL) Insurance Brokerage
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. ^1,^2,³Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.	Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. ⁶Company-reported. EPL product page as read 2026-09-23.
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.	Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. ⁶Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.
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.	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ⁶Company-reported. EPL product page as read 2026-09-23.