Heffernan Insurance Brokers vs 
Marsh McLennan Agency: How Do They Compare for Employment Practices Liability Insurance?
Heffernan Insurance Brokers’ EPL discussion highlights policy choices buyers may need to negotiate: wage-and-hour protection, immigration-claim endorsements, and the settlement “hammer” clause; Marsh McLennan Agency’s reviewed description lists discrimination, harassment, and equal-opportunity claims plus defense costs and damages, but no comparable endorsement menu or sublimits. 7,10
What Is Heffernan Insurance Brokers?
Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. 1,2,3
Read the Heffernan Insurance Brokers profile
Read the Heffernan Insurance Brokers Employment Practices Liability Insurance page
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 8,9
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 11,12,13
Key Differences in Employment Practices Liability Insurance
Published EPL Scope and Advice
Heffernan Insurance Brokers’ EPL discussion highlights policy choices buyers may need to negotiate: wage-and-hour protection, immigration-claim endorsements, and the settlement “hammer” clause. Its 2016 article described wage-and-hour sublimits commonly at $100,000 then, with some carriers offering $150,000–$250,000 for more premium. Marsh McLennan Agency’s reviewed description lists discrimination, harassment, and equal-opportunity claims plus defense costs and damages, but no comparable endorsement menu or sublimits. The older Heffernan Insurance Brokers figures are historical context, not a current quote. 7 10
Placement and Buyer Questions
Both brokerages describe adviser-led placement, but Heffernan Insurance Brokers’ published page makes modular policy terms explicit while Marsh McLennan Agency’s summary page remains at a high level. That distinction matters if payroll practices or immigration exposure are a concern: compare the proposed wording and sublimits rather than relying on the line label. 7 10
What to Confirm in Employment Practices Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Heffernan Insurance Brokers
Review Score
1 rated source
Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.[6][7][8]
Read Heffernan Insurance Brokers reviewsMarsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsOffering Details
Heffernan Insurance Brokers vs Marsh McLennan Agency: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | Marsh McLennan Agency employment practices (official overview) |
|---|---|---|
| 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. 3Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found. | Marsh McLennan Agency describes arranging employment practices for the audience stated on the cited product page. 10Company-reported. employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. 3Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23. | Confirm in your quote. |
| 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. 3,4,5Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically. | Employers and organizations seeking executive liability solutions; claim and policy conditions remain form-specific. 10Company-reported. employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 7Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms. | The cited product page describes EPL for employment-related claims such as discrimination, harassment, or failure to provide equal employment opportunity, including described defense costs and damages. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 7Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 10Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 3Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 10Company-reported. employment practices marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 6Not found in reviewed sources. 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. | Confirm in your quote. |
Full Comparison
More Heffernan Insurance Brokers vs Marsh McLennan Agency Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Home Care Business Insurance. 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.
- 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.
- 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.
- Employment Practices Liability 101: What You Need to 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.
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Employment Practices Liability section; example employment claims, defense costs, and damages. Accessed 2026-09-30.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
