Heffernan Insurance Brokers vs 
TechInsurance Employment Practices Liability Insurance
TechInsurance quotes small-business EPLI online with a published cost range; Heffernan shops EPL through general brokerage contact.
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 1,2,3
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 8,9
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 11
Key Differences in Employment Practices Liability Insurance
How You Buy
TechInsurance lets you request EPLI quotes through a short application, with licensed agents available and a certificate typically available the same day you buy, standalone or bundled with D&O. Heffernan's reviewed offering describes no EPL-specific application or online quote; buyers use the general business-insurance contact route. 10 3
Neither TechInsurance nor Heffernan names the issuing insurer in the reviewed offering. 10 3
Published Cost Versus Unpublished Premiums
TechInsurance says EPLI policyholders pay a median of $257 per month, with most businesses between about $750 and more than $14,000 a year. Heffernan's reviewed offering does not publish current EPL premiums. 10 3
Who Each Targets
TechInsurance aims EPLI at small businesses with a sizable workforce, especially those without a dedicated HR team. Heffernan lists EPL for general business, home-care agencies and family offices. 10 4 5
What Buyers Are Told the Form Addresses
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. Heffernan's 2016 commentary treats EPL as modular and tells buyers to request wage-and-hour cover, a 100% hammer clause and an immigration endorsement. 10 7
That Heffernan note is dated market commentary, not a current quote, and not TechInsurance's allegation list. A buyer still has to match the issued insuring agreements on both sides. 7 10
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask TechInsurance for the writing company, deductible and whether D&O is bundled. 10
- Ask Heffernan for current wage-and-hour and hammer-clause terms. 7
- Treat the $257 median as TechInsurance book data, not a Heffernan quote. 10
- Confirm privacy and benefits-handling grants on the TechInsurance form. 10
Offering Details
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) |
|---|---|---|
| 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. 3Company-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. 10Company-reported. EPLI product page. |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. 3Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23. | The reviewed page does not name the issuing insurer for an EPLI policy. 10Not publicly disclosed. EPLI product page as read on 2026-09-23. |
| 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. 3,4,5Company-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. 10Company-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. 7Company-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. 10Company-reported. EPLI product page; general policy description, not a specific policy form. |
| 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. 7Company-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. 10Company-reported. EPLI product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table. |
| How to Apply | The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. 3Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23. | You request EPLI quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 10Company-reported. EPLI product page. |
| Claims Support | Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. 6Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it. | Not described in the reviewed sources. |
Full Comparison
More Heffernan Insurance Brokers vs TechInsurance Comparisons
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Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. 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.
- Home Care Business Insurance. 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.
- 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.
- 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.
- Employment Practices Liability 101: What You Need to 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPLI). TechInsurance; What does employment practices liability insurance cover? (negligent benefits handling, sexual harassment, wrongful termination, discrimination, breach of contract, privacy invasion); How much does EPLI cost?; What do I need to know about EPLI deductibles, limits, and exclusions? Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
