CFC vs Relm Insurance: How Do They Compare for Employment Practices Liability Insurance?

California-domiciled businesses face stated eligibility limits under CFC's EPL product; Relm Insurance says its EPL covers legal defense and settlements for employers.

CFC suits private, non-California companies that want EPL, D&O and fiduciary from one insurer with a dedicated claims adjuster; Relm suits large employers whose broker needs separate wage-and-hour class-action cover. CFC won't sell EPL on its own. ^1,⁵

What Are the Key Differences Between CFC and Relm Insurance Employment Practices Liability Insurance?

Package With a Claims Adjuster vs Broker-Placed Specialist Cover

CFC writes EPL only inside its US Management Liability package, declines standalone EPL, and assigns a dedicated US claims adjuster. Relm sells EPL and wage-and-hour liability only through brokers and doesn't describe an EPL claims unit. If you're publicly traded or based in California, CFC's package is off the table. Choose CFC if you're a private company outside California that wants one insurer and a named adjuster; ask your broker for Relm if you're a large employer worried about wage-and-hour class actions. ¹ ⁴ ⁵

Wage-and-Hour Inside the Package vs a Separate Policy

CFC says its EPL section can include wage-and-hour violations. Relm describes separate cover for minimum-wage underpayment, overtime mistakes and misclassification, noting these claims increasingly arrive as state and federal class actions against large employers. A package extension may carry a small sublimit; ask how much of a class-action payout each would actually cover. ¹ ⁵

Who Each Welcomes

Relm says any company with employees benefits from EPL and highlights fast-growing companies whose HR risk rises with hiring; its EPL covers defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress. CFC's appetite is narrower because of its California and public-company declines. ⁵ ¹

What Should You Confirm in CFC and Relm Insurance Employment Practices Liability Insurance Quotes?

Ask your broker whether Relm can place EPL without a full management-liability package; CFC won't. ⁵ ¹
Ask whether wage-and-hour cover pays settlements or only defense, and at what limit. ¹ ⁵
Check your California domicile and public-company status against CFC's declines. ¹
Ask both for the issuing insurer and EPL limits; neither page publishes them. ⁵ ³

CFC vs Relm Insurance Employment Practices Liability Compared

CFC vs Relm Insurance: Employment Practices Liability Insurance: documented features by provider

Criteria	CFC Employment Practices Liability	Relm Employment Practices Liability Insurance (EPL/W&H)
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.	Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ⁵Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
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.	Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ⁵Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ⁵Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' 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.	Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

CFC Employment Practices Liability

Relm Employment Practices Liability Insurance (EPL/W&H)

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.

Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. ⁵Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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.

Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. ⁵Company-reported. Financial Lines page general description; the issued policy and declarations control.

Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. ⁵Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' 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.

Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. ⁵Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.