Heffernan Insurance Brokers vs 
TechInsurance: How Do They Compare for Employment Practices Liability Insurance?
Heffernan Insurance Brokers shops and places EPL for a range of business types; an older article discusses wage-and-hour limits within the policy. TechInsurance arranges EPLI quotes for small businesses.
TechInsurance lets small businesses apply for EPLI online, publishes a $257 median monthly premium and typically issues certificates the same day; Heffernan is a broker placing EPL for general businesses, home-care agencies and family offices through its contact team, with no published prices. 6,1,2,3
What Are the Key Differences Between Heffernan Insurance Brokers and TechInsurance Employment Practices Liability Insurance?
Online Application and Published Price vs Broker Contact
TechInsurance takes a short online application for EPLI, standalone or bundled with D&O, with licensed agents available and a certificate typically ready the same day. It says customers pay a median of $257 a month, with most between about $750 and more than $14,000 a year, and targets small businesses with a sizable workforce, especially those without an HR team. Heffernan places EPL through its general business-insurance contact route for general businesses, home-care agencies and family offices, with no EPL application or prices published. Choose TechInsurance if you want to budget and buy quickly online; choose Heffernan if you're a home-care agency or family office that wants a broker. 6 1 2 3
Listed Claims vs 2016 Buying Advice
TechInsurance says EPLI covers discrimination, sexual harassment, wrongful termination, negligent benefits handling, breach of employment contract and invasion of privacy, typically on a claims-made form (it covers claims made while the policy is active). Heffernan's 2016 article tells buyers to request wage-and-hour cover, a 100% hammer clause (the insurer can't cut its payment if you refuse a settlement it recommends) and an immigration endorsement. That's old advice, not a current Heffernan quote, so ask what its markets offer today. 6 5
What Should You Confirm in Heffernan Insurance Brokers and TechInsurance Employment Practices Liability Insurance Quotes?
Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Compared
Heffernan Insurance Brokers vs TechInsurance: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | TechInsurance Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. 5Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today. | TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses paying between about $750 and more than $14,000 a year, depending on profession risk, policy limits and deductible, employee count, turnover rate, and claims history. 6Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table. |
| 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. | TechInsurance targets EPLI at small businesses with a sizable workforce, and specifically notes that companies too small to have a dedicated HR team may face employment lawsuits more often since they often lack the resources to resolve disputes before they become legal claims. 6Company-reported. EPLI product page, Why do I need employment practices liability insurance? section. |
| 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. | TechInsurance says EPLI covers claims of discrimination, sexual harassment, wrongful termination, negligent handling of employee benefits, breach of employment contract, and invasion of privacy, and is typically written as a claims-made policy. 6Company-reported. EPLI product page; general policy description, not a specific policy form. |
| 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. | TechInsurance arranges employment practices liability insurance (EPLI) and says it can be purchased standalone or paired with directors and officers insurance in a management liability bundle. 6Company-reported. EPLI product page. |
