Beazley vs CFC Employment Practices Liability Insurance

Beazley underwrites employment practices liability (EPL) coverage as a standalone product on its dedicated EPL page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and fiduciary liability. ^5,3Company-reported. US EPL as described on the two reviewed product pages; does not establish which entity issues a particular policy.

CFC includes employment practices liability only inside its US Management Liability package. Its brochure lists 'standalone EPL' among the risks it declines, so a business cannot buy this coverage from CFC on its own. ¹⁰Company-reported. Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks.

The EPL product page does not name the specific Beazley insurance entity that issues the policy. ⁵Not found in reviewed sources. EPL page as read on 2026-09-23; the issued policy's declarations control the actual insurer.

CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US EPL policy. ^9,10Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23.

Beazley says it considers employers in all industries with up to 30,000 employees, with no stated employee-count limit for staffing firms, and describes an appetite for harder-to-place classes such as law firms, hospitality, high-tech, healthcare, retail and transportation; healthcare risks are instead written through Beazley Remedy. ⁵Company-reported. EPL product page eligibility description; actual acceptance depends on underwriting review of a specific applicant.

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this EPL coverage. ¹⁰Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

The EPL policy covers a broad range of discrimination, harassment and other "inappropriate employment conduct" claims, lets the policyholder choose between "duty to defend" and "pay on behalf" claim handling, and includes industry-specific wordings for classes such as law firms, accountants, staffing firms and PEOs. ⁵Company-reported. EPL product page coverage description; exclusions and conditions are set by the issued policy.

Beazley lists sublimited extensions for immigration-practices defense costs and OSHA proceedings, and a wage-and-hour defense-costs sublimit subject to underwriting; standalone wage-and-hour indemnity (not just defense costs) is sold separately through Beazley's Workplace Protect product. ⁵Company-reported. EPL product page; sublimit amounts are not published and appear only on a quote.

CFC says its employment practices liability section gives cover to the entity, directors, officers, management personnel and employees for claims brought by employees or third parties. ¹⁰Company-reported. Brochure's 'Employment practices liability' description; the issued policy wording determines who and what is actually covered.

CFC says it can include cover for wage and hour violations, immigration investigations, and costs following a workplace violence event as part of employment practices liability. ¹⁰Company-reported. Brochure's 'Employment practices liability' description and 'What else is in the policy?' list; availability of each extension depends on underwriting.

Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. ⁵Company-reported. Advertised maximum capacity, not a guaranteed quote amount or published retention.

The reviewed brochure does not publish a separate dollar limit, sublimit or retention for employment practices liability. Those figures appear only on the quote and declarations. ¹⁰Not publicly disclosed. Brochure as read on 2026-09-23.

EPL policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the EPL page says includes sexual harassment training, a telephone hotline, wage-and-hour tutorials, and model policies and procedures in English and Spanish. ⁵Company-reported. EPL product page service description; actual entitlements depend on the policy purchased.

Not described in the reviewed sources.

Beazley lists an ExecuGuard application, an EPL renewal application and a staffing supplemental application as downloadable tools on the EPL page; the reviewed page does not describe a self-service online quoting flow for new business. ⁵Company-reported. EPL product page Tools & Resources section as read on 2026-09-23.

Not described in the reviewed sources.

Beazley says it has dedicated employment claims personnel, including a named EPL claims focus-group leader, who work with outside employment lawyers across the country to resolve claims; no claims-outcome statistics are published on the page. ⁵Company-reported. EPL product page team listing; claims-handling quality is not independently assessed.

CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. ¹²Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing.