---
title: "Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Insurance"
description: "TechInsurance quotes small-business EPLI online with a published cost range; Heffernan shops EPL through general brokerage contact."
canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Heffernan Insurance Brokers and TechInsurance for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

TechInsurance arranges EPLI online for small businesses and publishes a $257 monthly median from its book. Heffernan places EPL for general business, home-care and family offices through its brokerage contact route. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")

## 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](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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](https://www.techinsurance.com/about-us "About TechInsurance") [9](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

Neither TechInsurance nor Heffernan names the issuing insurer in the reviewed offering. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office")

### 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

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](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask TechInsurance for the writing company, deductible and whether D&O is bundled. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Ask Heffernan for current wage-and-hour and hammer-clause terms. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")
- Treat the $257 median as TechInsurance book data, not a Heffernan quote. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")
- Confirm privacy and benefits-handling grants on the TechInsurance form. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)")

## Offering Details

| 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. [3](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..) | 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. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Business Insurance Brokerage page as read on 2026-09-23..) | The reviewed page does not name the issuing insurer for an EPLI policy. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Not publicly disclosed; scope: 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](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..) | 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. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [7](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..) | 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. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [7](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: 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. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not found in reviewed sources; scope: 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. [10](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: 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. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: 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

- [Heffernan Insurance Brokers vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Heffernan Insurance Brokers vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-techinsurance/business-owners-policy)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-auto)
- [Heffernan Insurance Brokers vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/commercial-property)
- [Heffernan Insurance Brokers vs TechInsurance Cyber Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/cyber)
- [Heffernan Insurance Brokers vs TechInsurance Fidelity Bonds](https://spot.insure/compare/heffernan-vs-techinsurance/fidelity-bonds)
- [Heffernan Insurance Brokers vs TechInsurance General Liability Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/general-liability)
- [Heffernan Insurance Brokers vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/professional-errors-omissions)
- [Heffernan Insurance Brokers vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices)
- [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices)
- [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices)
- [Amelia Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/employment-practices)
- [Beazley vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-heffernan/employment-practices)
- [Beazley vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/employment-practices)

## Sources

### Heffernan Insurance Brokers

1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.

### TechInsurance

8. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
9. [Contact Us](https://www.techinsurance.com/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.
10. [Employment Practices Liability Insurance (EPLI)](https://www.techinsurance.com/employment-practices-liability-insurance). 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

11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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