Heffernan Insurance Brokers Employment Practices Liability Insurance

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-reportedBusiness Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.

The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ¹Not publicly disclosedBusiness Insurance Brokerage page as read on 2026-09-23.

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 ^1,2,3Company-reportedDirect practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

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-reported2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.

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. ⁵Company-reportedMarket commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.

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. ¹Not found in reviewed sourcesBusiness Insurance Brokerage page as read on 2026-09-23.

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. ⁴Not found in reviewed sourcesClaims 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.