CFC vs 
RiskCube: How Do They Compare for Employment Practices Liability Insurance?
CFC includes EPL and states a California eligibility limit; RiskCube's catalogue describes protection from employment allegations and calls EPLI critical for employers.
CFC is the insurer and writes EPL only inside its US management liability package, with optional wage-and-hour and immigration cover. RiskCube is a broker that pitches EPLI to startups making first hires but sends you to a general contact form. 1,5
What Are the Key Differences Between CFC and RiskCube Employment Practices Liability Insurance?
An Insurer’s Package vs a Broker’s Catalogue Listing
CFC underwrites EPL as one section of its US Management Liability package and won’t write EPL on its own, so you’ll buy D&O-style cover alongside it. RiskCube is an independent brokerage that doesn’t underwrite; it lists EPLI in its startup catalogue and shops it for you. Choose CFC if you want EPL bundled into a management liability policy from one insurer; RiskCube fits a startup buying its first EPLI policy that wants a broker to find it. 1 5
Detailed Cover vs a One-Paragraph Description
CFC’s brochure covers the company, directors, officers, managers and employees, includes third-party claims, and offers optional wage-and-hour, immigration and workplace-violence costs. RiskCube describes EPLI in one paragraph covering current or former employees’ claims of wrongful termination, discrimination, harassment or retaliation, with no policy form listed. 1 5
California Exclusion vs Startup Focus
CFC declines California-based and US public companies for the package that carries EPL. RiskCube frames EPLI for startups hiring their first employees or scaling fast. If you’re based in California, CFC is out. 1 5
Contact Form vs a Named Claims Adjuster
RiskCube’s EPLI “Learn more” link goes to a general contact form, not an application, and publishes no limits, retentions or premiums. CFC documents US claim reporting with a dedicated adjuster, so you know who handles your claim. 6 4
What Should You Confirm in CFC and RiskCube Employment Practices Liability Insurance Quotes?
- Ask RiskCube which insurer would issue EPLI and whether you can buy it alone; CFC won’t sell it standalone. 5 1
- Ask both for wage-and-hour and third-party terms; RiskCube’s catalogue card lists neither. 1 5
- Get the EPL limit in writing, and ask CFC whether it’s shared with the rest of the package. Neither public page prints EPL dollars. 1 5
CFC vs RiskCube Employment Practices Liability Insurance Compared
CFC vs RiskCube: Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | RiskCube Employment Practices Liability 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. | RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. 5Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| 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. | RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. 5Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line. |
| 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. | RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 5Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail. |
