Heffernan Insurance Brokers vs 
RiskCube: How Do They Compare for Employment Practices Liability Insurance?
Heffernan Insurance Brokers shops and places EPL for a range of business types and an older advisor article discusses wage-and-hour limits within the policy. RiskCube’s catalogue describes EPLI for startup and small businesses, covering employment-practices claims.
Heffernan brokers EPL for general businesses and runs specialist practices for home-care agencies and family offices. RiskCube pitches EPLI to startups making their first hires or scaling fast, but its link leads only to a general contact form. 1,2,3,6
What Are the Key Differences Between Heffernan Insurance Brokers and RiskCube Employment Practices Liability Insurance?
Industry Practices vs a Startup Catalogue
Both are brokers. Heffernan places EPL through its general business practice and has specialist teams for home-care agencies and family offices. RiskCube lists EPLI for startups hiring their first employees or scaling fast. Choose Heffernan if you run a home-care agency or family office; choose RiskCube if you're an early-stage startup. 6 1 2 3
Coverage Detail
RiskCube's card says EPLI covers current or former employees alleging wrongful termination, discrimination, harassment or retaliation. Heffernan's 2016 EPL guide goes further: wage-and-hour cover, a 100% hammer clause (the insurer can't make you pay more if you refuse a settlement it recommends), an immigration endorsement, and the then-common $100,000 wage-and-hour sublimit. That guide is dated, so ask for current terms. 6 5
How You Start
RiskCube's EPLI link opens a general contact form. Heffernan has no EPL-specific quote either; you use its general business-insurance contact. Heffernan's claims-advocacy page doesn't list employment claims, and neither publishes limits. 7 6 1 4
What Should You Confirm in Heffernan Insurance Brokers and RiskCube Employment Practices Liability Insurance Quotes?
Heffernan Insurance Brokers vs RiskCube Employment Practices Liability Compared
Heffernan Insurance Brokers vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | RiskCube Employment Practices Liability 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. | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. 6Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| 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. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 6Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| 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. | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 6Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
