CFC vs 
Lockton: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL and notes California eligibility limits; Lockton designs employment-practices programs for organizations with employees and describes its coverage scope.
CFC writes EPL only inside its US management-liability package, with wage-and-hour as an optional add-on, and declines California-domiciled and public companies. Lockton brokers EPL for employers of any size and places wage-and-hour as its own policy, since EPL usually excludes it. 1,5
What Are the Key Differences Between CFC and Lockton Employment Practices Liability Insurance?
Package-Only Insurer vs a Broker for Any Employer
CFC insures EPL only as part of its US management-liability package; it declines standalone EPL, California-domiciled businesses and US public companies. Lockton brokers EPL for any organization that hires people, whatever its size, location, union status or contractor use, and doesn't name the insurers it uses. Choose Lockton if you're in California, public, or want EPL on its own; CFC fits only if you want its full package. 1 5
Wage-and-Hour Add-On vs Separate Policy
CFC can add wage-and-hour cover inside its EPL section. Lockton says EPL policies usually exclude wage-and-hour and places standalone cover for misclassification and unpaid overtime. If you have hourly staff, compare a CFC add-on with a separate Lockton policy, and ask whether each pays damages or only defense. 1 5
Coverage Beyond Employees
Both respond to employee claims and to discrimination or harassment by non-employees. Lockton's placements add punitive damages where insurable; CFC can add workplace-violence costs. 5 1
Claims Help
CFC assigns one dedicated adjuster from notice to resolution. Lockton puts claims counsel on the broking team from the start, so a claims strategy exists before a lawsuit arrives. 4 5
What Should You Confirm in CFC and Lockton Employment Practices Liability Insurance Quotes?
CFC vs Lockton Employment Practices Liability Insurance Compared
CFC vs Lockton: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Lockton Employment Practices Liability (EPL) Insurance Brokerage |
|---|---|---|
| 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. 1Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. 5Company-reported. EPL product page as read 2026-09-23. |
| 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. | Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. 5Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client. |
| 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. | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. 5Company-reported. EPL product page as read 2026-09-23. |
| 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. | Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team from the start of the engagement, which Lockton says is meant to prepare the claims strategy before an EPL claim arises. 5Company-reported. EPL product page as read 2026-09-23. |
