---
title: "CFC vs Heffernan Insurance Brokers: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-heffernan/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-heffernan"
provider-a: "cfc"
provider-b: "heffernan"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-heffernan/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of CFC and Heffernan Insurance Brokers for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about CFC versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Heffernan Insurance Brokers for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, CFC or Heffernan Insurance Brokers?
- What does CFC or Heffernan Insurance Brokers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs Heffernan Insurance Brokers](https://spot.insure/compare/cfc-vs-heffernan) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 sells EPL only inside its management-liability package and turns away California-domiciled and public companies, while Heffernan brokers EPL for business, home-care and family-office clients.

## CFC vs Heffernan Insurance Brokers Employment Practices Liability Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [7](https://www.heffins.com/family-office/ "Family Office")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [9](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

### 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](https://www.cfc.com/en-us/claims/ "Claims") [8](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [5](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## What Should You Confirm in CFC and Heffernan Insurance Brokers Employment Practices Liability Insurance Quotes?

- Ask Heffernan whether it can place standalone EPL and with which insurer. [5](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Get current wage-and-hour sublimits in dollars from both. [9](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask CFC for the EPL limit inside the package and whether it is shared with D&O. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask Heffernan who helps you if an employee sues. [8](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [4](https://www.cfc.com/en-us/claims/ "Claims")

## CFC vs Heffernan Insurance Brokers Employment Practices Liability Compared

| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [7](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Employment practices liability' description; the issued policy wording determines who and what is actually covered..)<br><br>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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [9](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found..) |

## About CFC and Heffernan Insurance Brokers

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for CFC vs Heffernan Insurance Brokers

- [CFC vs Heffernan Insurance Brokers](https://spot.insure/compare/cfc-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [CFC Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cfc/employment-practices)
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices)

## Sources for CFC vs Heffernan Insurance Brokers

### Sources About CFC

1. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
2. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

5. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
6. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23.
7. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23.
8. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.
9. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/). Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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