---
title: "CFC vs USI Insurance Services: Employment Practices Liability Insurance"
description: "CFC won’t sell EPL on its own, only inside its management-liability package, and declines California-domiciled and public companies; USI is a broker that shops EPL for janitorial, staffing and other business-services firms. USI’s ExecuSafe team can also audit a policy you already have."
canonical: "https://spot.insure/compare/cfc-vs-usi/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-usi"
provider-a: "cfc"
provider-b: "usi"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC and USI Insurance Services 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 USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: CFC and USI Insurance Services.
- 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 USI Insurance Services](https://spot.insure/compare/cfc-vs-usi) — 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
- [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile

# CFC vs USI Insurance Services: How Do They Compare for Employment Practices Liability Insurance?

CFC lists a California eligibility limit for EPL; USI Insurance Services brokers the line through its Business Services practice and advisors.

CFC sells EPL only bundled into its management-liability package and declines California-domiciled and public companies, while USI brokers EPL for business-services trades and audits existing policies.

## CFC vs USI Insurance Services Employment Practices Liability Insurance Summary

CFC won’t sell EPL on its own, only inside its management-liability package, and declines California-domiciled and public companies; USI is a broker that shops EPL for janitorial, staffing and other business-services firms. USI’s ExecuSafe team can also audit a policy you already have. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

## What Are the Key Differences Between CFC and USI Insurance Services Employment Practices Liability Insurance?

### Bundled Package vs Standalone Placement or Audit

CFC writes EPL only inside US Management Liability and declines standalone EPL, California-domiciled businesses and US public companies. USI places EPL for its Business Services clients — building maintenance, repair, janitorial, staffing and printing firms — or reviews an existing policy for gaps through ExecuSafe. Choose CFC if you are a private company outside California buying D&O and EPL together; choose USI if you need EPL on its own, are based in California, or want your current policy audited. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks")

### Published Coverage Extras vs Broker Reviews

CFC’s EPL section can include wage-and-hour, immigration investigations and workplace-violence costs, so you can see those extras before quoting. USI publishes no EPL coverage terms or limits; it offers classification and exposure reviews and contract review, and the terms depend on the insurer it finds. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.usi.com/property-casualty/business-services/ "Business Services")

### Insurer’s Adjuster vs Broker Advocate at Claim Time

CFC assigns a dedicated claims adjuster from notice to resolution, reachable by phone, email or online form. USI offers claim advocacy across Business Services lines including EPL, so you have your broker pushing the insurer on your behalf. With CFC you deal with the insurer directly; with USI you have someone on your side of the table. [4](https://www.cfc.com/en-us/claims/ "Claims") [5](https://www.usi.com/property-casualty/business-services/ "Business Services")

## What Should You Confirm in CFC and USI Insurance Services Employment Practices Liability Insurance Quotes?

- Tell USI whether you want new EPL placed or an existing policy reviewed. [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Check CFC’s decline list before you apply if you are based in California or publicly traded. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask USI which insurer it would use and get limits in writing from both. [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs USI Insurance Services Employment Practices Liability Compared

| Criteria | CFC Employment Practices Liability | USI Employment Practices Liability Brokerage |
| --- | --- | --- |
| 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..) | 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. [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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. [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) |
| 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..) | 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. [5](https://www.usi.com/property-casualty/business-services/ "Business Services") [6](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) |

## About CFC and USI Insurance Services

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

## Related Pages for CFC vs USI Insurance Services

- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi): 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)
- [USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/insurance-providers/usi/employment-practices)

## Sources for CFC vs USI Insurance Services

### 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 USI Insurance Services

5. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability.... Accessed 2026-09-23.
6. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-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.

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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-usi/employment-practices.md)
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