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

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

## Agent Guide

**What this page is:** Focused comparison of CFC and HUB International 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 HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC and HUB International.
- 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 HUB International](https://spot.insure/compare/cfc-vs-hub-international) — 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
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 inside its US management-liability package and declines California and public companies, while HUB is a broker that places EPL through ProEx with an attorney-staffed claims group.

## CFC vs HUB International Employment Practices Liability Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask both how pay-transparency claims are treated on the actual form. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask both for the issuing insurer and the EPL limit. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")
- Ask HUB who you call first when an employee sues: its attorney group or the insurer. [4](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## CFC vs HUB International Employment Practices Liability Compared

| 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. [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..) | 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. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [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..) | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [4](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## About CFC and HUB International and Employment Practices Liability

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

## Related Pages for CFC vs HUB International

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): 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)
- [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices)

## Sources for CFC vs HUB International

### 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 HUB International

5. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. 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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