Alliance Risk vs CFC General Liability Insurance

Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. ³Company-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. ^8,9Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

The reviewed general liability page does not name the insurer that would issue a policy for a given buyer. ³Not publicly disclosed. General liability product page as read on 2026-09-23.

The reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. ^8,9Not publicly disclosed. Property & casualty product page and brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations.

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. ³Company-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. ⁹Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

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. ³Company-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. ⁹Company-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. ⁹Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

The reviewed general liability page gives cost ranges (for example, small businesses around $500 annually up to larger enterprises near $25,000 a month) but does not publish specific coverage limits, retentions or deductible amounts for general liability. ³Not found in reviewed sources. General liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.

CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. ⁹Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

The reviewed general liability page does not describe a dedicated risk-control service, specialist team or claims-advocacy offering for this line beyond generic risk-management tips such as maintaining a safe work environment and using clear client contracts. ³Not found in reviewed sources. General liability product page as read on 2026-09-23.

Not described in the reviewed sources.

The general liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. ³Not found in reviewed sources. General liability product page as read on 2026-09-23.

Not described in the reviewed sources.

The reviewed general liability page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. ³Not found in reviewed sources. General liability product page as read on 2026-09-23.

CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. ¹⁰Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit.