CFC vs 
Heffernan Insurance Brokers: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL and notes California eligibility limits; Heffernan Insurance Brokers places employment-practices coverage and has discussed wage-and-hour extensions and limits.
CFC won’t sell EPL on its own and declines California-domiciled and US public companies, but it assigns a dedicated claims adjuster; Heffernan is a broker that can shop EPL for businesses, home-care agencies and family offices. Heffernan’s detailed EPL guidance dates from 2016. 1,5,6,7
What Are the Key Differences Between CFC and Heffernan Insurance Brokers Employment Practices Liability Insurance?
Package-Only Insurer vs Broker Across Programs
CFC writes EPL only inside its US Management Liability package and lists standalone EPL, California-domiciled businesses and US public companies among declined risks. Heffernan is a broker that lists EPL on its general business, home-care agency and family-office pages without a published size minimum. If you are based in California, are public, or want EPL on its own, CFC is out. Choose CFC if you are a private non-California company buying D&O and EPL together; choose Heffernan if you need standalone EPL or run a home-care agency or family office. 1 5 6 7
Wage-and-Hour and Immigration in the Form vs Endorsements to Request
CFC’s package can cover employee and third-party claims, wage-and-hour, immigration investigations and workplace-violence costs. Heffernan publishes no current form; its 2016 article tells you to request wage-and-hour cover, a 100% hammer clause (the insurer can’t force a settlement on you) and an immigration endorsement, and cites then-typical wage-and-hour sublimits of $100,000 to $250,000. Treat those as history. CFC also publishes no separate EPL limit. 1 9
Dedicated Adjuster vs No Listed EPL Claims Help
CFC assigns a dedicated claims adjuster you can reach by phone, email or online form. Heffernan’s claims-advocacy page covers workers’ compensation, general liability, auto and property, not employment claims, and it has no EPL-specific quote route; you contact the brokerage directly. 4 8 5
What Should You Confirm in CFC and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?
CFC vs Heffernan Insurance Brokers Employment Practices Liability Compared
CFC vs Heffernan Insurance Brokers: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Heffernan Employment Practices Liability 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. | EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. 5,6,7Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically. |
| 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. | In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. 9Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market 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. | Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. 5Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found. |
