Amelia Risk vs CFC General Liability Insurance

Amelia Risk is a brokerage that places general liability coverage with insurance companies on a client's behalf; it does not underwrite the policy itself. ^4,2Company-reported. General Liability page describes what the coverage includes and when to buy it, written in the firm's advisory voice; the Specialties page describes the four-step placement process the firm applies across the lines it arranges. Neither page names the issuing insurer for a given placement.

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. ^9,10Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

Not described in the reviewed sources.

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. ^9,10Not 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.

Amelia Risk says general liability is one of the most basic and fundamental parts of a company's insurance program and should be bought once a company is formed and operating, or once it starts selling products. ⁴Company-reported. General Liability page's timing guidance; not a stated industry or size restriction.

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. ¹⁰Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Amelia Risk describes general liability as covering premises liability and personal and advertising injury, and says it most notably includes product liability: coverage for third-party bodily injury or property damage claims arising from the use of the client's products. ⁴Company-reported. General Liability page's coverage description; a general explanation of the policy type, not a specimen form or a particular insurer's wording.

Amelia Risk says an umbrella policy raises the limits sitting on top of scheduled underlying liability policies, and notes that in some cases the layered policy it arranges is an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella paragraph; distinguishes umbrella from excess by name only, without published limit amounts.

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. ¹⁰Company-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. ¹⁰Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

Not described in the reviewed sources.

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. ¹⁰Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a general-liability-specific service.

Not described in the reviewed sources.

Amelia Risk's stated process for arranging coverage, including general liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a general-liability-specific application form.

Not described in the reviewed sources.

Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm. ²Company-reported. Specialties page's process list; a general claims-advocacy statement covering all lines the firm places, not general-liability-specific claims handling.

CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. ¹¹Company-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.