CFC vs Heffernan Insurance Brokers 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.

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. ¹⁰Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.

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.

The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ¹⁰Not publicly disclosed. Business Insurance Brokerage page as read on 2026-09-23.

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.

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. ^10,11,12Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

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.

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. ¹⁴Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.

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.

The same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. ¹⁴Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.

Not described in the reviewed sources.

The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. ¹⁰Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23.

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.

Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. ¹³Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it.