CFC vs The Hartford Employment Practices Liability Insurance

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.

The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. ¹¹Company-reported. EPLI product page as read 2026-09-23.

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 Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. ¹¹Company-reported. EPLI product page footnote as read 2026-09-23.

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.

The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. ¹¹Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).

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.

The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. ¹¹Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. ¹¹Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.

Not described in the reviewed sources.

The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. ¹¹Company-reported. EPLI product page as read 2026-09-23.

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.