Heffernan Insurance Brokers vs 
Marsh: 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. Marsh places EPL for employers of all sizes and names Global Leader and Workplace Harassment Liability policy add-ons.
Heffernan is the broker to call if you run a home-care agency or family office, where it has dedicated practices that include EPL. Marsh builds EPL programs around headcount, with named endorsements for employers of 250 to 4,000 and over 4,000. 1,2,3,6
What Are the Key Differences Between Heffernan Insurance Brokers and Marsh Employment Practices Liability Insurance?
Niche Practices vs Headcount-Banded Programs
Heffernan places EPL as part of corporate and executive protection for general businesses, home-care agencies, and family offices and trustees. Marsh's practice, and Marsh McLennan Agency for middle-market clients, place EPLI with two named endorsements: Leaders Preferred for 250 to 4,000 employees and Global Leaders for over 4,000. Choose Heffernan if you're a home-care agency or family office; choose Marsh if you have 250 or more employees and want a program built for your size. 6 7 1 2 3
Broader Claim List at Marsh, Buying Tips at Heffernan
Marsh says EPLI can respond to discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation and civil-rights violations, including third-party claims. Heffernan's 2016 article tells buyers to ask for wage-and-hour cover, a 100% hammer clause (so the insurer can't penalize you for refusing a settlement) and an immigration endorsement, noting wage-and-hour sublimits then commonly sat at $100,000. That advice is dated, so check current terms. 6 5
What Should You Confirm in Heffernan Insurance Brokers and Marsh Employment Practices Liability Insurance Quotes?
- Ask Marsh whether Global Leaders or Leaders Preferred applies and which insurer issues it. 6
- Under 250 employees, ask Marsh what it places instead of those endorsements. 6 2 3
- Ask Heffernan for current wage-and-hour and hammer-clause terms, not the 2016 figures. 5
- Heffernan has no EPL-specific application and its claims-advocacy page doesn't mention employment claims; ask who helps you if you're sued. 1 4
- Ask Heffernan whether third-party claims are covered; Marsh lists them. 6
Heffernan Insurance Brokers vs Marsh Employment Practices Liability Compared
Heffernan Insurance Brokers vs Marsh: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| 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. | Marsh says employers of all sizes face potential EPL liability, but its named endorsements target companies by size band: over 4,000 employees for the Global Leaders Endorsement and 250 to 4,000 employees for the Leaders Preferred Endorsement. 6Company-reported. Marsh EPL page. |
| 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. | Marsh says EPLI can respond to allegations including discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and violation of an employee's civil rights, brought by past, present or prospective employees or third parties. 6Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form. Marsh names two proprietary EPL endorsements: the Global Leaders Endorsement, built for large and multinational companies with more than 4,000 employees, and the Leaders Preferred Endorsement, for midsize companies with 250 to 4,000 employees. 6Company-reported. Marsh EPL page, Marsh's EPL services section. |
| 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. | Marsh's financial and professional liability practice places employment practices liability insurance (EPLI); MMA also places EPL coverage within its executive and professional liability practice for middle-market clients. 6,7Company-reported. Marsh EPL page and MMA executive and professional liability page. |
