CFC vs 
Coalition Employment Practices Liability Insurance
CFC declines standalone EPL and California-domiciled risks; Coalition’s Executive Risks EPL uses Zurich admitted paper and $10 million advertised limits.
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. 1,2,3,4
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 8,9,10,11
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 13
Key Differences in Employment Practices Liability Insurance
Package Decline Versus a Four-Line Suite
CFC includes EPL only in its US Management Liability package and lists standalone EPL among declined risks. Coalition designs and distributes EPL as one of four Executive Risks coverages (with D&O, fiduciary and crime), sold through appointed brokers rather than as a CFC-style “cannot buy it alone” rule spelled out in a decline list. 5 11
Eligibility Caps
CFC declines California-domiciled business and US publicly traded companies for the package that carries EPL. Coalition says Executive Risks, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees and up to $500 million in plan assets. A California private company under those Coalition caps would still need to confirm CFC’s California decline. 5 11
Named Carrier and Limits
Coalition’s disclaimer names Zurich American Insurance Company (NAIC 16535) for admitted Executive Risks and says Coalition Insurance Solutions, Inc. also places the suite with unaffiliated insurers on a non-admitted basis. CFC’s regulatory page names CFC Underwriting Limited and Lloyd’s Syndicate 1988 but does not name the carrier or syndicate for a given US EPL policy. Coalition says limits up to $10 million per coverage line may be available; CFC’s brochure does not publish a separate EPL dollar limit. 12 11 4 5
What the Coverage and Services Include
CFC says the EPL section covers the entity, directors, officers, management and employees for employee or third-party claims, and can include wage-and-hour, immigration investigations and workplace-violence costs. Coalition says EPL protects against wrongful termination, discrimination, harassment and retaliation, and that Executive Risks policyholders get a customized risk assessment, an HR hotline, employee training and a handbook builder. CFC documents a dedicated claims adjuster path; Coalition’s reviewed EPL sources do not describe a separate EPL claims unit. 5 7 11
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask whether you must buy a full management-liability or Executive Risks suite, given CFC’s standalone-EPL decline. 5 11
- Confirm California domicile and public-company status against CFC’s list, and Coalition’s 1,000-employee and $500 million asset caps. 5 11
- Get the issuing insurer: Zurich admitted versus unaffiliated surplus versus CFC’s unnamed US paper. 12 4
- Compare Coalition’s $10 million advertised per-line maximum with CFC’s unpublished EPL limit on the quote. 11 5
Offering Details
CFC vs Coalition Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Coalition Executive Risks — Employment Practices Liability (EPL) |
|---|---|---|
| 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. 5Company-reported. Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks. | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 11Company-reported. Executive Risks product page as read on 2026-09-23. |
| Issuing 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. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific EPL policy depends on the placement route. 12Company-reported. U.S. Disclaimers page as read on 2026-09-23. |
| Who It’s For | 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. 5Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | Coalition says Executive Risks products, including EPL, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 11Company-reported. Executive Risks FAQ as read on 2026-09-23. |
| 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. 5Company-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. 5Company-reported. Brochure's 'Employment practices liability' description and 'What else is in the policy?' list; availability of each extension depends on underwriting. | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 11Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. |
| Limits and Retentions | 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. 5Not publicly disclosed. Brochure as read on 2026-09-23. | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including EPL, subject to exclusions and limitations. 11Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. |
| Risk Services | Not described in the reviewed sources. | Coalition says Executive Risks policyholders, including EPL buyers, get a customized risk assessment, a hotline for assistance with HR-related issues, employee training, and a handbook builder, which are specifically relevant to reducing employment-practices exposure. 11Company-reported. Executive Risks page and FAQ as read on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | Coalition distributes Executive Risks, including EPL, only through appointed insurance brokers rather than direct to buyers. 11Company-reported. Executive Risks product page as read on 2026-09-23. |
| Claims Support | 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. 7Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Coalition Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Employment Practices Liability (EPL) — protects against claims of wrongful termination, discrimination, harassment, retaliation, and more; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
