CFC vs HUB International 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.

HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. ¹¹Company-reported. ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL.

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.

No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. ¹¹Not found in reviewed sources. Checked the ProEx page 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.

The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. ¹¹Not found in reviewed sources. Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria.

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.

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. ¹¹Company-reported. ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim.

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.

Published EPL policy limits or retentions were not found on the ProEx page. ¹¹Not publicly disclosed. Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. ¹¹Company-reported. ProEx page team and services description; not specific to a single EPL engagement.

Not described in the reviewed sources.

HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. ¹¹Company-reported. ProEx page call to action.

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.

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. ¹¹Company-reported. ProEx page claims and legal support section.