CFC vs 
Coalition: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL in its product and notes California eligibility limits, while Coalition distributes EPL through Executive Risks and states limits up to $10 million per claim.
CFC sells EPL only inside its US Management Liability package and turns away California-domiciled and public companies; Coalition offers EPL in all 50 states through brokers, with limits up to $10 million and HR tools for employers up to 1,000 staff. 1,5
What Are the Key Differences Between CFC and Coalition Employment Practices Liability Insurance?
Package-Only With State Exclusions vs Nationwide Suite
CFC includes EPL only in its US Management Liability package and lists standalone EPL, California-domiciled businesses and US publicly traded companies among declined risks. Coalition offers EPL as one of four Executive Risks coverages (with D&O, fiduciary and crime) to private and not-for-profit US organizations in all 50 states and D.C. with up to $500 million in assets, 1,000 employees and $500 million in plan assets, sold through appointed brokers. If you're based in California, CFC is out. Choose Coalition if you're in California or want a published limit up to $10 million; consider CFC if you're outside California and want EPL bundled with its wider management cover. 1 5
Broader Covered Costs vs HR Tools Before a Claim
CFC's 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's EPL covers wrongful termination, discrimination, harassment and retaliation, and adds a customized risk assessment, HR hotline, employee training and handbook builder. CFC gives you a dedicated claims adjuster; Coalition's EPL sources don't describe a separate EPL claims unit. CFC's wording goes further on covered costs, while Coalition gives you more help preventing claims. 1 4 5
Published Limit vs No Stated EPL Limit
Coalition says limits up to $10 million per coverage line may be available. CFC's brochure doesn't publish a separate EPL dollar limit, so you won't know your ceiling until you get a quote. 5 1
What Should You Confirm in CFC and Coalition Employment Practices Liability Insurance Quotes?
- Ask whether you must buy the full management-liability or Executive Risks suite to get EPL. 1 5
- Check your domicile and public-company status against CFC's decline list, and your size against Coalition's 1,000-employee and $500 million asset caps. 1 5
- Ask which insurer issues the policy. Coalition's admitted policies are issued for Zurich American Insurance Company, with non-admitted (surplus lines, fewer state protections) placements through other insurers; CFC names CFC Underwriting Limited and Lloyd's Syndicate 1988 but not the insurer for a given US EPL policy. 6 3
- Ask CFC for the EPL limit in writing to compare with Coalition's $10 million maximum. 5 1
CFC vs Coalition Employment Practices Liability Insurance Compared
CFC vs Coalition: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Coalition Executive Risks — Employment Practices Liability (EPL) |
|---|---|---|
| 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. 1Company-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. 5Company-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. 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. | Coalition says EPL coverage protects against claims of wrongful termination, discrimination, harassment, and retaliation. 5Company-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. |
| 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. | Coalition designs and distributes EPL as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 5Company-reported. Executive Risks product page as read on 2026-09-23. |
