Heffernan Insurance Brokers vs Travelers: 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 article discusses wage-and-hour limits within the policy. Travelers insures EPL within its Management Liability portfolio and sells it through independent agents.

Travelers sells its own EPL through independent agents to financial institutions, nonprofits, and private and public companies; Heffernan is a broker that shops EPL, with dedicated home-care and family-office practices. Heffernan could place Travelers for you alongside other insurers. ^6,^1,^2,³

What Are the Key Differences Between Heffernan Insurance Brokers and Travelers Employment Practices Liability Insurance?

An Insurer for Banks and Nonprofits vs a Broker for Home Care and Family Offices

Travelers writes EPL itself, standalone or with other management coverages, and sells it through independent agents to financial institutions, nonprofits, and private and public companies. Heffernan shops EPL with insurers through its general business, home-care agency, and family-office and financial-firm practices, without naming those insurers. Choose Travelers if you're a bank, nonprofit or public company and want one known insurer; choose Heffernan if you run a home-care agency or family office and want a broker who knows that business. ⁶ ¹ ² ³

Core Cover vs a Checklist of Add-Ons

Travelers says its EPL pays defense and damages for wrongful termination, discrimination, workplace harassment and retaliation, and cites settlements from $45,000 to $280,000 to show what a claim can cost. Heffernan's 2016 staff guidance tells you to request wage-and-hour cover, a 100% hammer clause (the insurer can't pressure you to settle by cutting its share) and an immigration endorsement. Use that list when you review a Travelers quote; Travelers' page doesn't mention these terms. Neither publishes limits or retentions. ⁶ ⁵

What Should You Confirm in Heffernan Insurance Brokers and Travelers Employment Practices Liability Insurance Quotes?

Ask the Travelers agent which Travelers company issues the policy. ⁶
Ask Heffernan for current wage-and-hour, hammer-clause and immigration terms, and whether Travelers is one of its markets. ⁵
If you're a home-care agency or family office, ask whether Travelers will write your risk. ² ⁶
Get limits and retentions from both in writing. ⁶ ¹

Heffernan Insurance Brokers vs Travelers Employment Practices Liability Compared

Heffernan Insurance Brokers vs Travelers: Employment Practices Liability Insurance: documented features by provider

Criteria	Heffernan Employment Practices Liability Insurance	Travelers Employment Practices Liability Insurance (EPL)
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.	Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. ⁶Company-reported. Product page "Who is this right for?" 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.	Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. ⁶Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ⁶Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.