--- title: "Heffernan Insurance Brokers vs Relm Insurance: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/heffernan-vs-relm/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-relm" provider-a: "heffernan" provider-b: "relm" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/heffernan-vs-relm/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and Relm Insurance 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 Relm Insurance. 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 Relm Insurance for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Relm Insurance? - What does Heffernan Insurance Brokers or Relm Insurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and Relm Insurance. - 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 Relm Insurance](https://spot.insure/compare/heffernan-vs-relm) — 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 - [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile # 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 retail broker placing EPL for general businesses, home-care agencies and family offices, while Relm supplies EPL and separate wage-and-hour cover aimed at large employers, available only through a broker. ## Heffernan Insurance Brokers vs Relm Insurance Employment Practices Liability Insurance Summary 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [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 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines 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") ### 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") ## 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](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") - Ask which insurer issues Relm's EPL and whether it accepts large-employer class-action risk. [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") - If you run a home-care agency or family office, ask whether Relm will write your class. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") - Get hammer-clause and immigration wording on the actual form. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") ## Heffernan Insurance Brokers vs Relm Insurance Employment Practices Liability Compared | 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](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..) | 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. [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [6](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | ## About Heffernan Insurance Brokers and Relm Insurance - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Heffernan Insurance Brokers vs Relm Insurance - [Heffernan Insurance Brokers vs Relm Insurance](https://spot.insure/compare/heffernan-vs-relm): 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) - [Relm Insurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/relm/employment-practices) ## Sources for Heffernan Insurance Brokers vs Relm Insurance ### 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 Relm Insurance 6. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability?. 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). 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