CFC vs 
Relm Insurance Employment Practices Liability Insurance
CFC can include wage-and-hour inside package EPL; Relm markets a separate wage-and-hour product through brokers for large-employer class actions.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 8,9
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 11
Key Differences in Employment Practices Liability Insurance
Package Underwriting Versus Broker-Channel Product
CFC underwrites EPL only inside US Management Liability and lists standalone EPL among declined risks. Relm markets employment practices liability, including wage-and-hour liability, as coverage brokers can place through Relm’s financial-lines solutions; Relm’s reviewed page does not name the issuing insurer. 5 10
Wage-and-Hour Emphasis
CFC says it can include cover for wage-and-hour violations as part of the EPL section. Relm separately describes wage-and-hour coverage for minimum-wage underpayment, overtime mishandling and misclassification, and says those claims are increasingly pursued as individual and class actions, framing that cover around large employers. Relm also says EPL covers defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress. 5 10
Who Is Invited In
CFC declines California-domiciled business and US public companies for the package that carries EPL. Relm says any company with employees, regardless of headcount, benefits from EPL and highlights fast-growing companies as HR exposure rises with hiring. Relm sells through brokers and does not describe a direct online quote; CFC’s brochure does not publish a separate EPL dollar limit. 5 10
Claims
CFC documents a dedicated US claims adjuster. Relm’s reviewed financial-lines page does not describe an EPL-specific claims unit. 7 10
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask the Relm broker whether EPL can be placed without a full management-liability package; CFC declines standalone EPL. 10 5
- Confirm whether wage-and-hour is inside CFC’s EPL section or a Relm-placed companion product, and whether it includes indemnity. 5 10
- Check California domicile and public-company status against CFC’s declines. 5
- Get issuing paper and limits from both; neither reviewed page prints an EPL dollar maximum. 10 4
Offering Details
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) |
|---|---|---|
| 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. 5Company-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. 10Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US EPL policy. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. 10Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| 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. 5Company-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. 10Company-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. 5Company-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. 5Company-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. 10Company-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. 10Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section. |
| Limits and Retentions | The reviewed brochure does not publish a separate dollar limit, sublimit or retention for employment practices liability. Those figures appear only on the quote and declarations. 5Not publicly disclosed. Brochure as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 10Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. |
| 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. 7Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Relm Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Financial Lines Insurance. Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability? Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
