---
title: "CFC vs Relm Insurance Employment Practices Liability Insurance"
description: "CFC can include wage-and-hour inside package EPL; Relm markets a separate wage-and-hour product through brokers for large-employer class actions."
canonical: "https://spot.insure/compare/cfc-vs-relm/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate CFC and Relm Insurance for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC writes EPL only inside US Management Liability and can include wage-and-hour violations in that section. Relm markets EPL and wage-and-hour liability for brokers to place, describing wage-and-hour class actions at state and federal level especially for large employers, without naming an issuing insurer. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [9](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Claims

CFC documents a dedicated US claims adjuster. Relm’s reviewed financial-lines page does not describe an EPL-specific claims unit. [7](https://www.cfc.com/en-us/claims/ "Claims") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Confirm whether wage-and-hour is inside CFC’s EPL section or a Relm-placed companion product, and whether it includes indemnity. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Check California domicile and public-company status against CFC’s declines. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Get issuing paper and limits from both; neither reviewed page prints an EPL dollar maximum. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## Offering Details

| 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. [5](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..) | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: 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. [5](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..) | 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. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [5](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..)<br><br>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. [5](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..) | 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. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>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. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [5](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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. [10](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [7](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..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Relm Insurance](https://spot.insure/compare/cfc-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [CFC vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/cfc-vs-relm/commercial-property)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)
- [CFC vs Relm Insurance Cyber Insurance](https://spot.insure/compare/cfc-vs-relm/cyber)
- [CFC vs Relm Insurance D&O Insurance](https://spot.insure/compare/cfc-vs-relm/directors-officers)
- [CFC vs Relm Insurance General Liability Insurance](https://spot.insure/compare/cfc-vs-relm/general-liability)
- [CFC vs Relm Insurance Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-relm/kidnap-ransom)
- [CFC vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/cfc-vs-relm/media)
- [CFC vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/cfc-vs-relm/product-liability)
- [CFC vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-relm/professional-errors-omissions)
- [CFC vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/cfc-vs-relm/technology-errors-omissions)
- [CFC vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-relm/umbrella-excess)
- [Alliance Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/employment-practices)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Amelia Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Beazley vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/employment-practices)
- [Beazley vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-relm/employment-practices)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [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.
6. [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.
7. [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.

### Relm Insurance

8. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
9. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
10. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/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

11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. 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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