CFC vs 
Chubb: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL in its product and lists a California eligibility limit; Chubb insures EPL, describes broad claim coverage, and includes defense provisions in its form.
CFC sells EPL only inside its US management-liability package and turns away California-domiciled and public companies. Chubb sells EPL as a ForeFront Portfolio part for private companies, nonprofits and healthcare organizations, covering claims from job applicants and contractors too. 1,5
What Are the Key Differences Between CFC and Chubb Employment Practices Liability Insurance?
Who Can Buy It
CFC declines California-domiciled businesses and US public companies for the package that carries its EPL, and won't sell EPL on its own. Chubb aims ForeFront EPL at private companies, not-for-profits and healthcare organizations, sold through an agent or broker. Choose Chubb if you're California-based or a nonprofit or healthcare employer; CFC is only an option if you want its full management-liability package. 1 5 6
Who and What Is Covered
Chubb covers claims by past, current and prospective employees and independent contractors, and pays early-engagement expenses before a dispute becomes a lawsuit. CFC covers the company, directors, officers, managers and employees against employee and third-party claims, and can add wage-and-hour or immigration costs. If you use contractors, Chubb says so in writing; if you worry about wage claims, CFC lists an extension. 5 1
What Should You Confirm in CFC and Chubb Employment Practices Liability Insurance Quotes?
- On a CFC quote, confirm EPL is a section of the management-liability package; on a Chubb quote, ask which ForeFront parts are scheduled. 1 6
- Ask CFC which insurer or Lloyd's syndicate issues a US EPL policy; Chubb's is Federal Insurance Company or a Chubb affiliate. 5 3
- Get EPL limits and retentions in writing; neither publishes them. 1 5
CFC vs Chubb Employment Practices Liability Insurance Compared
CFC vs Chubb: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Chubb ForeFront Portfolio Employment Practices Liability Insurance |
|---|---|---|
| Coverage Features | 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. 1Company-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. 1Company-reported. Brochure's 'Employment practices liability' description and 'What else is in the policy?' list; availability of each extension depends on underwriting. | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. 5Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. 5Company-reported. Coverage Highlights list. |
| Role in This Line | 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. 1Company-reported. Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks. | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. 5Company-reported. ForeFront Portfolio EPL product sheet. |
