CFC vs 
Marsh: How Do They Compare for Employment Practices Liability Insurance?
CFC's EPL product has a stated California eligibility limit; Marsh describes workplace-allegation coverage and includes two policy add-ons.
CFC sells EPL only inside its US Management Liability package and turns away public and California-domiciled companies; Marsh is a broker whose Leaders Preferred and Global Leaders EPL endorsements are built for 250 to 4,000 and 4,000-plus employees. 1,5
What Are the Key Differences Between CFC and Marsh Employment Practices Liability Insurance?
Package-Only Insurer vs Broker With Large-Employer Endorsements
CFC writes EPL only inside its US Management Liability package and lists standalone EPL among declined risks, so you must buy the wider package to get it. Marsh is a broker that places EPLI and names two endorsements: Leaders Preferred for 250 to 4,000 employees and Global Leaders for more than 4,000. Those bands describe the named endorsements, not every Marsh placement. Choose Marsh if you have 250 or more employees or are a public company; consider CFC if you're a private company outside California that wants EPL bundled with other management cover. 1 5 6
Public and California Companies Are Out at CFC
CFC's brochure lists US publicly traded companies and California-domiciled businesses among declined risks for the package that carries its EPL. If either describes you, CFC can't quote you and Marsh is the only option of the two. 1 5
What Should You Confirm in CFC and Marsh Employment Practices Liability Insurance Quotes?
- If you're a US public company, ask Marsh which endorsement and insurer would apply. 5 1
- Ask Marsh whether you fall under Global Leaders, Leaders Preferred or another form at your headcount. 5
- Ask Marsh whether it can place standalone EPL, which CFC won't sell. 5 1
- Get wage-and-hour and third-party terms on both quotes. 1 5
CFC vs Marsh Employment Practices Liability Insurance Compared
CFC vs Marsh: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Marsh Employment Practices Liability (EPLI) Insurance |
|---|---|---|
| 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. | Marsh says employers of all sizes face potential EPL liability, but its named endorsements target companies by size band: over 4,000 employees for the Global Leaders Endorsement and 250 to 4,000 employees for the Leaders Preferred Endorsement. 5Company-reported. Marsh EPL page. |
| 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. | Marsh says EPLI can respond to allegations including discrimination, harassment, wrongful termination, retaliation, failure to employ or promote, negligent evaluation, and violation of an employee's civil rights, brought by past, present or prospective employees or third parties. 5Company-reported. Marsh EPL page; illustrative policy description, not a specific policy form. Marsh names two proprietary EPL endorsements: the Global Leaders Endorsement, built for large and multinational companies with more than 4,000 employees, and the Leaders Preferred Endorsement, for midsize companies with 250 to 4,000 employees. 5Company-reported. Marsh EPL page, Marsh's EPL services section. |
| 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. | Marsh's financial and professional liability practice places employment practices liability insurance (EPLI); MMA also places EPL coverage within its executive and professional liability practice for middle-market clients. 5,6Company-reported. Marsh EPL page and MMA executive and professional liability page. |
