CFC vs HUB International: How Do They Compare for Employment Practices Liability Insurance?

CFC includes EPL and notes California eligibility limits; HUB International highlights pay-transparency law changes and offers specialist claims support.

CFC sells EPL only as part of its management-liability package and turns away California-domiciled and publicly traded companies; HUB is a broker that shops EPL through its ProEx practice and backs you at claim time with a group of attorneys. ^1,^4,⁵

What Are the Key Differences Between CFC and HUB International Employment Practices Liability Insurance?

Package-Only Insurer vs Broker Shopping the Market

CFC underwrites EPL only as a section of its US Management Liability package, lists standalone EPL among declined risks, and declines California-domiciled businesses and US public companies for that package. HUB is a broker: ProEx places EPL as an executive-liability cover and says it places over $2 billion in premium with insurers it does not name. Choose CFC if you are a private company outside California that wants EPL bundled with D&O; choose HUB if CFC's declines rule you out or you want EPL shopped across insurers. ¹ ⁵

What You Can Read Before You Apply

CFC's brochure spells out who is covered, third-party claims, and optional wage-and-hour, immigration and workplace-violence costs. HUB's ProEx page shows no EPL terms; it flags 2026 pay-transparency laws only through an article title. Neither publishes EPL limits or retentions, so you will learn those only from a quote. ¹ ⁵

Adjuster vs Attorney Group at Claim Time

With CFC, one dedicated adjuster handles your claim from notice to resolution, and you can report it by phone, email or online form. HUB offers a Claims & Legal Risks Group of attorneys who review wording before a claim and push for recovery after one, working with whichever insurer it placed. ⁴ ⁵

What Should You Confirm in CFC and HUB International Employment Practices Liability Insurance Quotes?

Ask HUB whether ProEx can place standalone EPL, which CFC will not sell. ⁵ ¹
Ask both how pay-transparency claims are treated on the actual form. ⁵ ¹
Ask both for the issuing insurer and the EPL limit. ⁵ ³
Ask HUB who you call first when an employee sues: its attorney group or the insurer. ⁴ ⁵

CFC vs HUB International Employment Practices Liability Compared

CFC vs HUB International: Employment Practices Liability Insurance: documented features by provider

Criteria	CFC Employment Practices Liability	HUB International Employment Practices Liability Insurance Brokerage
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.	HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ⁵Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.
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.	HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ⁵Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.
Claims Support	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. ⁴Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing.	HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁵Company-reported. ProEx page claims and legal support section.

Criteria

CFC Employment Practices Liability

HUB International Employment Practices Liability Insurance Brokerage

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.

HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. ⁵Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

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.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ⁵Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

Claims Support

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. ⁴Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁵Company-reported. ProEx page claims and legal support section.