---
title: "Heffernan Insurance Brokers vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-lockton"
provider-a: "heffernan"
provider-b: "lockton"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-lockton/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Lockton 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 Lockton. 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 Lockton for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Lockton?
- What does Heffernan Insurance Brokers or Lockton publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and Lockton.
- 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 Lockton](https://spot.insure/compare/heffernan-vs-lockton) — 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
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 current EPL coverage features, standalone wage-and-hour cover and embedded claims counsel; Heffernan brokers EPL for home-care agencies and family offices, but its detailed EPL advice dates to 2016.

## Heffernan Insurance Brokers vs Lockton Employment Practices Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [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 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [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")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [4](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Ask Heffernan which current insurers will write those items and a 100% hammer clause; don't rely on 2016 figures. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Ask Heffernan who will support you on an EPL claim. [4](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Heffernan Insurance Brokers vs Lockton Employment Practices Liability Compared

| 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](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") (Evidence: Company-reported; scope: 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. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. [6](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |

## About Heffernan Insurance Brokers and Lockton

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Heffernan Insurance Brokers vs Lockton

- [Heffernan Insurance Brokers vs Lockton](https://spot.insure/compare/heffernan-vs-lockton): 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)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)

## Sources for Heffernan Insurance Brokers vs Lockton

### 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 Lockton

6. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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