---
title: "CFC vs Lockton: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-lockton/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-lockton"
provider-a: "cfc"
provider-b: "lockton"
coverage-line: "employment-practices"
---
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[Human-readable page](https://spot.insure/compare/cfc-vs-lockton/employment-practices)
## Agent Guide
**What this page is:** Focused comparison of CFC and Lockton 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 Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.
**Questions this page answers:**
- CFC vs Lockton for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, CFC or Lockton?
- What does CFC or Lockton publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?
**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC and Lockton.
- 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 Lockton](https://spot.insure/compare/cfc-vs-lockton) — 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
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
# 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 sells EPL only inside its management-liability package and declines California-based and public companies, while Lockton brokers EPL for any employer and places wage-and-hour cover as a separate policy.
## CFC vs Lockton Employment Practices Liability Insurance Summary
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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
### 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](https://www.cfc.com/en-us/claims/ "Claims") [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
## What Should You Confirm in CFC and Lockton Employment Practices Liability Insurance Quotes?
- Ask Lockton which insurer will issue a standalone EPL policy. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask whether wage-and-hour cover is defense-only on both options. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")
- Get punitive-damages and third-party wording on the Lockton placement and CFC's form. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
## CFC vs Lockton Employment Practices Liability Insurance Compared
| 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. [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..) | 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. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..)
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..) | 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. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [5](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: EPL product page as read 2026-09-23..) |
## About CFC and Lockton and Employment Practices Liability Insurance
- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)
## Related Pages for CFC vs Lockton Employment Practices Liability
- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton): 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)
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)
## Sources for CFC vs Lockton Employment Practices Liability Insurance
### 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 Lockton
5. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. 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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