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

Heffernan Insurance Brokers shops and places EPL with insurers for a range of business types, and an older article of theirs covers wage-and-hour sublimits; Relm Insurance sells EPL through brokers to companies with employees of any size.

Heffernan is a broker you hire directly, with EPL practices for home-care agencies and family offices; Relm supplies EPL plus separate wage-and-hour cover for large employers facing class actions, which a broker such as Heffernan would have to place for you. ^6,^1,⁵

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

A Broker You Hire vs Coverage a Broker Places

Heffernan is a retail broker that shops EPL with insurers as part of its corporate and executive protection work, with dedicated home-care and family-office practices. Relm markets EPL and wage-and-hour cover for other brokers to place; there is no direct quote. Choose Heffernan if you want a broker, especially as a home-care agency or family office; ask your broker to approach Relm if you are a large employer worried about wage-and-hour class actions. ⁶ ¹ ²

Dedicated Wage-and-Hour Cover vs 2016 Sublimit Guidance

Relm sells wage-and-hour cover for minimum-wage, overtime and misclassification claims, separate from its EPL, which covers defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress. Heffernan's only wage-and-hour detail is a 2016 article citing sublimits then commonly at $100,000, which is small against a class action. If you have many hourly workers, ask for a real wage-and-hour limit rather than a sublimit. ⁶ ⁵

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

Ask Heffernan whether it will submit to Relm for wage-and-hour cover, and what sublimit applies today. ⁵ ⁶
Ask which insurer issues Relm's EPL and whether it accepts large-employer class-action risk. ⁶
If you run a home-care agency or family office, ask whether Relm will write your class. ² ⁶
Get hammer-clause and immigration wording on the actual form. ⁵

Heffernan Insurance Brokers vs Relm Insurance Employment Practices Liability Compared

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

Criteria	Heffernan Employment Practices Liability Insurance	Relm Employment Practices Liability Insurance (EPL/W&H)
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.	Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ⁶Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
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.	Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ⁶Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ⁶Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' 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.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Heffernan Employment Practices Liability Insurance

Relm Employment Practices Liability Insurance (EPL/W&H)

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.

Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ⁶Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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.

Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ⁶Company-reported. Financial Lines page general description; the issued policy and declarations control.

Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ⁶Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' 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.

Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.