CFC vs 
USI Insurance Services Employment Practices Liability Insurance
CFC underwrites package-only EPL; USI brokers EPL for business-services trades or reviews it through ExecuSafe.
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 USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve 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. 13
Key Differences in Employment Practices Liability Insurance
Package Underwriting Versus Brokerage
CFC underwrites EPL only inside US Management Liability and lists standalone EPL among declined risks. USI brokers EPL, either placing a policy or reviewing an existing one under ExecuSafe. You are either applying into a CFC package or hiring USI to shop or audit coverage. 5 11 12
Domicile Versus Trade Book
CFC declines California-domiciled business and US public companies for the package that carries EPL. USI’s Business Services practice, which lists EPL, targets building, maintenance, repair, janitorial, staffing and printing companies, while ExecuSafe is described for small- and medium-sized businesses generally. California domicile or public-company status hits CFC’s decline list; those trades sit in USI’s stated Business Services book. 5 11 12
Who Handles a Claim
CFC describes a dedicated claims adjuster from notification through resolution, with US notice by phone, email or online form. USI lists claim advocacy across Business Services lines including EPL. On a CFC quote the adjuster works for CFC’s program; on a USI placement advocacy sits with the broker and the issuing carrier. 7 11
What to Confirm in Employment Practices Liability Insurance Quotes
Offering Details
CFC vs USI Insurance Services Employment Practices Liability Insurance: documented features by provider
| Criteria | CFC Employment Practices Liability | USI Employment Practices Liability Brokerage |
|---|---|---|
| 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. | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. 11,12Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. | Neither page names the insurer USI uses for EPL placements. 11Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. | USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. 11,12Company-reported. Company description of client segments for each source. |
| 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. | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. 11,12Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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. | Neither page publishes EPL limit or retention figures. 11Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. 11,12Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | Not described in the reviewed sources. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 11,12Company-reported. Contact instructions on each page. |
| 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 USI Insurance Services 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). 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.
