--- title: "Heffernan Insurance Brokers vs TechInsurance: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/heffernan-vs-techinsurance/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-techinsurance" provider-a: "heffernan" provider-b: "techinsurance" 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-techinsurance/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and TechInsurance 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 TechInsurance. 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 TechInsurance for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or TechInsurance? - What does Heffernan Insurance Brokers or TechInsurance publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) — 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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 sells small-business EPLI online with a published $257 median monthly price and same-day certificates, while Heffernan is a broker that places EPL for home-care agencies and family offices. ## Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Insurance Summary 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [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") ## 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [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") ### 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](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [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 TechInsurance Employment Practices Liability Insurance Quotes? - Ask TechInsurance for the issuing insurer, deductible and whether D&O is bundled; Heffernan doesn't name insurers either. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") - Ask Heffernan for current wage-and-hour and hammer-clause terms. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") - Ask TechInsurance to show privacy and benefits-handling cover on the form. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") ## Heffernan Insurance Brokers vs TechInsurance Employment Practices Liability Compared | 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. [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: 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. [6](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..) | | 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..) | 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. [6](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. [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..) | 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. [6](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..) | | 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..) | 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. [6](https://www.techinsurance.com/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI)") (Evidence: Company-reported; scope: EPLI product page..) | ## About Heffernan Insurance Brokers and TechInsurance - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Heffernan Insurance Brokers vs TechInsurance - [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): 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) - [TechInsurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/techinsurance/employment-practices) ## Sources for Heffernan Insurance Brokers vs TechInsurance ### 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 TechInsurance 6. [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. 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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