CFC vs 
Gallagher: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL and notes California eligibility limits, while Gallagher uses client data to help assess EPL exposure and coverage needs.
CFC sells EPL only as part of its US management-liability package, so you can't buy it alone, and it won't cover California-based or public companies. Gallagher is a broker that shops the line and sizes your limit against its EPL and wage-and-hour loss data. 1,5
What Are the Key Differences Between CFC and Gallagher Employment Practices Liability Insurance?
Package-Only Insurer vs a Broker That Shops
CFC writes EPL only inside its US Management Liability package and lists standalone EPL among declined risks. It also declines California-domiciled businesses and US public companies. Gallagher places EPL with outside insurers and advises on limits and program design. Choose CFC if you're a private company outside California that wants EPL bundled with D&O-style cover from one insurer; choose Gallagher if you need standalone EPL, are based in California or are public. 1 5
Limit Advice Backed by Loss Data vs No Published Figures
Neither publishes EPL limits or premiums. Gallagher says it sizes limits using predictive models, benchmarking and EPL and wage-and-hour loss databases, including losses above $1 million going back to 1997, adjusted for your headcount, employee mix and locations. CFC's brochure gives no EPL limit, sublimit or retention, but lists optional wage-and-hour, immigration and workplace-violence costs. 1 5
A Named Adjuster at CFC
CFC lets you report a claim by phone, email or online form and assigns a dedicated adjuster from notice to resolution. Gallagher's EPL page describes placement analytics, not a claims unit, so your claim experience depends on the insurer it picks. 4 5
What Should You Confirm in CFC and Gallagher Employment Practices Liability Insurance Quotes?
- Ask Gallagher whether it can place standalone EPL; CFC won't write it. 5 1
- Ask CFC for the EPL limit inside its package and compare it with Gallagher's recommendation. 5 1
- Check your domicile and ownership against CFC's California and public-company declines. 1
- Ask both how wage-and-hour class actions are treated. 1 5
CFC vs Gallagher Employment Practices Liability Insurance Compared
CFC vs Gallagher: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Gallagher Employment Practices Liability (EPL) Insurance |
|---|---|---|
| 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. | Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. 5Company-reported. Group-level executive-and-financial-risk practice page. |
| 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. | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. 5Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| 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. | Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. 5Company-reported. Group-level executive-and-financial-risk practice page. |
