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

CFC includes EPL and identifies a California eligibility limit, while The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

The Hartford builds EPL into its Business Owner's Policy for most businesses and sells it standalone as Employers Premier Choice, but not built-in in California, Minnesota, North Dakota or New York. CFC sells EPL only inside its US Management Liability package and declines California-based and publicly traded companies. ^5,¹

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

Built-In or Standalone vs Package-Only

The Hartford builds EPLI into its Business Owner's Policy for most classes, includes it in Private Choice Premier, and sells it standalone as Employers Premier Choice. CFC includes EPL only in US Management Liability and lists standalone EPL among declined risks, so you'd buy it alongside D&O and fiduciary cover. Choose The Hartford if you want EPL added to a small-business policy or bought on its own; choose CFC if you want EPL inside a full management liability package. ¹ ⁵

California and Other Excluded States

CFC declines California-domiciled and US publicly traded companies for the package that carries EPL. The Hartford has no built-in EPL in California, Minnesota, North Dakota or New York, and its EPL program doesn't apply to EPL written in California. If you're California-based, neither company's standard route fits, so you'll likely need a broker to find another market. ¹ ⁵

Published Limits

The Hartford footnotes a $25,000 EPL limit on its Spectrum product. CFC's brochure publishes no EPL dollar limit, so ask for the limit in writing. ⁵ ¹

Coverage, Claims and Prevention Tools

The Hartford covers discrimination including age, retaliation, FMLA, wrongful discipline or termination, failure to promote and harassment. It includes third-party EPL for most businesses and automatic Wage and Hour Defense Cost on its BOP. Its hartfordhelp.com training requires you to buy higher EPL limits. CFC covers the entity through to employees for employee or third-party claims, can include wage-and-hour, immigration and workplace-violence costs, and assigns a dedicated claims adjuster. ¹ ⁴ ⁵

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

If you're based in California, ask The Hartford whether any EPL product is available to you; CFC declines California-domiciled businesses. ¹ ⁵
Ask whether The Hartford quote is BOP-included, Private Choice Premier, Employers Premier Choice or Spectrum at $25,000. ⁵
Ask CFC to price the full management liability package, since it won't sell EPL alone. ¹
Ask whether wage-and-hour cover pays defense costs only (Hartford BOP) or is an added extension (CFC). ⁵ ¹

CFC vs The Hartford Employment Practices Liability Insurance Compared

CFC vs The Hartford: Employment Practices Liability Insurance: documented features by provider

Criteria	CFC Employment Practices Liability	The Hartford Employment Practices Liability Insurance (EPLI)
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.	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. ⁵Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).
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.	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. ⁵Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	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. ⁵Company-reported. EPLI product page as read 2026-09-23.

Criteria

CFC Employment Practices Liability

The Hartford Employment Practices Liability Insurance (EPLI)

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.

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. ⁵Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).

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.

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. ⁵Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

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. ⁵Company-reported. EPLI product page as read 2026-09-23.