CFC vs 
Travelers Employment Practices Liability Insurance
CFC declines standalone EPL and US public companies; Travelers underwrites EPL for public companies through independent agents.
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. 1,2,3,4
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 8,9,10
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 12
Key Differences in Employment Practices Liability Insurance
Package Decline Versus a Travelers Form
CFC includes EPL only in US Management Liability and lists standalone EPL among declined risks. Travelers underwrites EPL as part of Management & Professional Liability, sold standalone or alongside other management liability coverages, through a Travelers independent agent. 5 11
Public Companies
CFC’s brochure lists US publicly traded companies among declined risks for the package that carries EPL, and also declines California-domiciled business. Travelers markets EPL to financial institutions, nonprofit organizations, private companies and public companies. A US public company is in Travelers’ stated audience and on CFC’s decline list. 5 11
Named Issuer and Limits
Travelers’ product-page video disclosure names Travelers Casualty and Surety Company of America and property-casualty affiliates. CFC’s regulatory page names CFC Underwriting Limited and Syndicate 1988 but does not name the US EPL issuer. Neither CFC’s brochure nor Travelers’ reviewed EPL page publishes bindable EPL limits; Travelers shows illustrative settlements from $45,000 to $280,000 as risk context only. 11 4 5
Coverage Lists and Claims
CFC describes entity-through-employee cover for employee or third-party claims and can include wage-and-hour, immigration and workplace-violence costs. Travelers says EPL covers defense costs and damages for wrongful termination, discrimination, workplace harassment and retaliation. CFC documents a dedicated claims adjuster; Travelers’ reviewed EPL page does not describe a named EPL claims unit. 5 7 11
What to Confirm in Employment Practices Liability Insurance Quotes
- If you are a US public company, ask Travelers for standalone or packaged EPL; CFC lists that class among declined package risks. 11 5
- Get the issuing company: Travelers Casualty and Surety Company of America or an affiliate versus CFC’s unnamed US paper. 11 4
- Confirm California domicile against CFC’s declines. 5
- Ask both for wage-and-hour and third-party terms and for dollar limits neither public page binds. 5 11
Offering Details
CFC vs Travelers Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| 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. 5Company-reported. Brochure's 'What we decline' list, which pairs standalone EPL with California-domiciled business as declined risks. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 11Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
| 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. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 11Company-reported. Product page video legal footer. |
| 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. 5Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 11Company-reported. Product page "Who is this right for?" section. |
| 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. 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. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 11Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| 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. 5Not publicly disclosed. Brochure as read on 2026-09-23. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 11Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | EPL coverage is bought through a Travelers independent agent. 11Company-reported. Product page "Find an insurance agent" call to action. |
| 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. 7Company-reported. Claims page as read on 2026-09-23; not specific to EPL claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Travelers Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Employment practices liability; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
