---
title: "CFC vs The Hartford: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-the-hartford/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-the-hartford"
provider-a: "cfc"
provider-b: "the-hartford"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-the-hartford/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of CFC and The Hartford for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about CFC versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs The Hartford for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, CFC or The Hartford?
- What does CFC or The Hartford publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 most small-business policies and sells it standalone, except in four states; CFC sells EPL only inside a management liability package and turns away California-based firms.

## CFC vs The Hartford Employment Practices Liability Insurance Summary

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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")

### 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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [4](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
- Ask whether The Hartford quote is BOP-included, Private Choice Premier, Employers Premier Choice or Spectrum at $25,000. [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance")
- Ask CFC to price the full management liability package, since it won't sell EPL alone. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask whether wage-and-hour cover pays defense costs only (Hartford BOP) or is an added extension (CFC). [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## CFC vs The Hartford Employment Practices Liability Insurance Compared

| 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. [1](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..) | 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. [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: 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. [1](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. [1](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..) | 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. [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [5](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23..) |

## About CFC and The Hartford and Employment Practices Liability

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for CFC vs The Hartford Employment Practices Liability

- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [CFC Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cfc/employment-practices)
- [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices)

## Sources for CFC vs The Hartford

### Sources About CFC

1. [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.
2. [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.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [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.

### Sources About The Hartford

5. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.

Updated 2026-09-29. 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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