--- title: "Heffernan Insurance Brokers vs Travelers: Employment Practices Liability Insurance" description: "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." canonical: "https://spot.insure/compare/heffernan-vs-travelers/employment-practices" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "heffernan-vs-travelers" provider-a: "heffernan" provider-b: "travelers" 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-travelers/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and Travelers 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 Travelers. 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 Travelers for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Travelers? - What does Heffernan Insurance Brokers or Travelers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and Travelers. - 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 Travelers](https://spot.insure/compare/heffernan-vs-travelers) — 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 - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile # 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 is an insurer selling its own EPL through independent agents to banks, nonprofits and private and public companies; Heffernan is a broker with EPL programs for home-care agencies and family offices. ## Heffernan Insurance Brokers vs Travelers Employment Practices Liability Insurance Summary 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [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 Travelers Employment Practices Liability Insurance Quotes? - Ask the Travelers agent which Travelers company issues the policy. [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Ask Heffernan for current wage-and-hour, hammer-clause and immigration terms, and whether Travelers is one of its markets. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") - If you're a home-care agency or family office, ask whether Travelers will write your risk. [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Get limits and retentions from both in writing. [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## Heffernan Insurance Brokers vs Travelers Employment Practices Liability Compared | 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](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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [6](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) | ## About Heffernan Insurance Brokers and Travelers - [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews) - [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews) - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices) ## Related Pages for Heffernan Insurance Brokers vs Travelers - [Heffernan Insurance Brokers vs Travelers](https://spot.insure/compare/heffernan-vs-travelers): 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) - [Travelers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/travelers/employment-practices) ## Sources for Heffernan Insurance Brokers vs Travelers ### 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 Travelers 6. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. 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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