CFC vs Founder Shield Employment Practices Liability Insurance

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.

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Employment Practices Liability Insurance with third-party carriers rather than underwriting the policy itself. ¹⁴Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Founder Shield says EPLI is often purchased standalone but is sometimes packaged with Directors & Officers coverage, since employee-related suits frequently name corporate officers personally. ¹³Company-reported. EPLI product page.

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.

Founder Shield says it places policies, including Founder Shield Employment Practices Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ¹⁰Company-reported. General carrier-selection FAQ, not specific to this line's placements.

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.

Founder Shield markets EPLI to startups hiring their first employees, retail and hospitality businesses with high turnover, professional-services firms, technology companies, and non-profits with volunteers. ¹³Company-reported. EPLI product page.

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.

Founder Shield lists defense costs, settlements and judgments, and claims of wrongful termination, discrimination, harassment and retaliation as what EPLI responds to. ¹³Company-reported. Product page; the issued policy and declarations control actual coverage.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

You request Founder Shield Employment Practices Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^14,10Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

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.