---
title: "Beazley vs CFC Employment Practices Liability Insurance"
description: "Beazley underwrites standalone EPL and ExecuGuard; CFC includes EPL only in a US management-liability package and declines standalone EPL."
canonical: "https://spot.insure/compare/beazley-vs-cfc/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-cfc/employment-practices)

# Beazley vs CFC Employment Practices Liability Insurance

Beazley underwrites standalone EPL and ExecuGuard; CFC includes EPL only in a US management-liability package and declines standalone EPL.

## Research Scope and Use

Use this comparison to evaluate Beazley and CFC for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites employment practices liability as a standalone product and inside ExecuGuard with D&O and fiduciary, with advertised limits up to $20 million. CFC includes EPL only inside its US Management Liability package, lists standalone EPL among declined risks, and also declines California-domiciled business and US public companies for that package. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [6](https://www.cfc.com/en-us/company/ "About CFC") [7](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [8](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [9](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [13](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Standalone Capacity

Beazley underwrites EPL on a dedicated US page and as one of three ExecuGuard coverages. CFC’s brochure lists standalone EPL among risks it declines, so CFC EPL travels only inside the management-liability package. A buyer who wants EPL without buying CFC’s full package is looking at Beazley’s standalone or ExecuGuard path, not CFC’s declined standalone class. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Appetite Clashes

Beazley considers employers in all industries with up to 30,000 employees, including harder-to-place classes, with healthcare via Beazley Remedy. CFC declines California-domiciled business and US publicly traded companies for the package that contains this EPL section. Beazley’s page does not list those two declines. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Limits, Extensions and Claims

Beazley advertises EPL limits up to $20 million, duty-to-defend or pay-on-behalf choice, immigration and OSHA defense sublimits, a wage-and-hour defense sublimit, BeazleySure, and dedicated employment claims personnel. CFC says the EPL section can include wage-and-hour, immigration investigations and workplace-violence costs, covers entity, directors, officers, managers and employees for employee or third-party claims, does not publish a separate EPL dollar limit, and routes claims through a dedicated adjuster via phone, email or online form. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [12](https://www.cfc.com/en-us/claims/ "Claims")

## What to Confirm in Employment Practices Liability Insurance Quotes

- If you need EPL without D&O and fiduciary, ask whether Beazley standalone is available and do not assume CFC will write it alone. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- California-domiciled or public companies should check CFC’s decline list before requesting that package. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Compare Beazley’s $20 million advertised maximum with the unnamed CFC EPL limit on declarations. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask about wage-and-hour indemnity (Beazley Workplace Protect) versus CFC’s underwritten extension. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## Offering Details

| Criteria | Beazley Employment Practices Liability | CFC Employment Practices Liability |
| --- | --- | --- |
| Role in This Line | 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](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks..) |
| Issuing Insurer | The EPL product page does not name the specific Beazley insurance entity that issues the policy. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Not found in reviewed sources; scope: 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Regulatory information page and brochure as read on 2026-09-23..) |
| Who It’s For | 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list; underwriting still applies to any individual business..) |
| Coverage Features | 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page coverage description; exclusions and conditions are set by the issued policy..)<br><br>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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Employment practices liability' description; the issued policy wording determines who and what is actually covered..)<br><br>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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Employment practices liability' description and 'What else is in the policy?' list; availability of each extension depends on underwriting..) |
| Limits and Retentions | Beazley advertises EPL limits up to US $20 million. The reviewed page does not publish standard retentions. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Brochure as read on 2026-09-23..) |
| Risk Services | 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page service description; actual entitlements depend on the policy purchased..) | Not described in the reviewed sources. |
| How to Apply | 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: EPL product page Tools & Resources section as read on 2026-09-23..) | Not described in the reviewed sources. |
| Claims Support | 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. [5](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/ "Employment Practices Liability") (Evidence: Company-reported; scope: 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. [12](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing..) |

## Full Comparison

- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Beazley vs CFC Commercial Property Insurance](https://spot.insure/compare/beazley-vs-cfc/commercial-property)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs CFC Cyber Insurance](https://spot.insure/compare/beazley-vs-cfc/cyber)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs CFC General Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/general-liability)
- [Beazley vs CFC Management Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/management-liability)
- [Beazley vs CFC Media Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/media)
- [Beazley vs CFC Product Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/product-liability)
- [Beazley vs CFC Product Recall Insurance](https://spot.insure/compare/beazley-vs-cfc/product-recall)
- [Beazley vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions)
- [Beazley vs CFC Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-cfc/representations-warranties)
- [Beazley vs CFC Tech E&O Insurance](https://spot.insure/compare/beazley-vs-cfc/technology-errors-omissions)
- [Beazley vs CFC Telehealth Insurance](https://spot.insure/compare/beazley-vs-cfc/virtual-care-telehealth)
- [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices)
- [Alliance Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/employment-practices)
- [Amelia Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/employment-practices)
- [Amelia Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/employment-practices)
- [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices)
- [Beazley vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/employment-practices)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Employment Practices Liability](https://www.beazley.com/en-US/products/executive-risk-usa/employment-practices-liability/). Beazley; What we offer: employment law experts, superior claims handling, BeazleySure; How can we help: duty to defend/pay on behalf, industry-specific wordings, sublimits; Who we can help; Where is this offered: Worldwide; Tools & Resources. Accessed 2026-09-23.

### CFC

6. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
7. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
8. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
9. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
10. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
11. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
12. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

13. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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