Alliance Risk vs CFC: How Do They Compare for General Liability Insurance?

CFC includes general liability in one Property & Casualty policy with a casualty limit of up to $6,000,000 and ordinarily declines manual contractors; Alliance Risk, a broker, names contractors and construction among its common buyers.

CFC's general liability comes in one policy with your commercial property, up to a $6 million casualty limit, but it ordinarily declines bars, nightclubs and manual contractors. Alliance Risk brokers general liability for exactly those kinds of businesses and names contractors and hospitality among its buyers. ^3,¹

What Are the Key Differences Between Alliance Risk and CFC General Liability Insurance?

Who Gets Accepted

CFC favors manufacturers and distributors, office-based professional services, e-commerce sellers, retail stores and annual events, and ordinarily declines nightclubs and bars, manual contractors, amusement arcades and tour operators. ³ Alliance Risk names contractors and construction, hospitality and food service, retail, consulting and manufacturing as its general liability buyers. ¹ Choose CFC if you are an office-based, retail or e-commerce business that also needs property cover; choose Alliance Risk if you do manual contracting work or run a bar or restaurant.

One Policy or One Line

CFC designs general liability as part of a single Property & Casualty policy, with a casualty limit up to $6 million and products and completed operations, hired and non-owned auto costs and employee benefits liability built in. ³ Alliance Risk discusses general liability as its own line and lists bodily injury, property damage and advertising injury, but publishes no limits. ¹

Claims Experience

CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims. ⁴ Alliance Risk's page doesn't say how it supports you after an incident. ¹

What Should You Confirm in Alliance Risk and CFC General Liability Insurance Quotes?

Ask CFC which insurer carries the risk; its pages describe CFC as the policy designer without naming one. ²
If you already have property cover, ask CFC whether it will write the liability side alone. ²
Ask Alliance Risk for the insurer, the limits and who handles your claims. ¹

Alliance Risk vs CFC General Liability Insurance Compared

Alliance Risk vs CFC: General Liability Insurance: documented features by provider

Criteria	Alliance Risk General Liability Insurance	CFC Property & Casualty
Who It’s For	Alliance Risk targets general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. ¹Company-reported. General liability product page; eligibility for a particular company depends on underwriting.	CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ³Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.
Coverage Features	Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. ¹Company-reported. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued.	The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ³Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ³Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.
Role in This Line	Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. ¹Company-reported. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line.	CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^2,³Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

Criteria

Alliance Risk General Liability Insurance

CFC Property & Casualty

Who It’s For

Alliance Risk targets general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. ¹Company-reported. General liability product page; eligibility for a particular company depends on underwriting.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ³Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Coverage Features

Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. ¹Company-reported. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued.

The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ³Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued.

CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ³Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

Role in This Line

Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. ¹Company-reported. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line.

CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^2,³Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.