Amelia Risk vs CFC: How Do They Compare for Umbrella and Excess Liability Insurance?

CFC sells one excess layer over professional, general liability or cyber, even when another carrier holds the primary policy; Amelia Risk shops startup umbrella over scheduled liability lines.

CFC sells one excess policy that can sit over your professional liability, general liability or cyber, even when another insurer wrote them. Amelia Risk is a startup broker that shops umbrella as a limit increase over your general liability and other scheduled liability policies. ^1,^3,⁵

What Are the Key Differences Between Amelia Risk and CFC Umbrella and Excess Liability Insurance?

Which Policies the Extra Limit Sits Over

Say a client contract asks your consultancy for $5 million in professional liability and you carry $2 million. CFC can write the gap over professional, general liability, cyber or any mix in one policy. Amelia Risk describes umbrella as raising the limits on your scheduled liability policies, sometimes placed as technically excess, and doesn’t mention professional or cyber. Choose CFC if you need more professional or cyber limit; choose Amelia Risk if you’re a startup that wants a broker to shop higher general liability limits. ⁵ ¹

Broker Versus Specialist Seller

Amelia Risk lists umbrella among the policies startups should consider and runs a four-step process: gather your information, approach insurers, review quotes, then you decide. CFC writes the layer itself for small and micro businesses across many professions. With Amelia Risk you see several options; with CFC you get one specialist’s terms. ³ ⁴ ⁵

Neither Publishes Limits

You’ll contact CFC directly; there’s no online indication tool. Amelia Risk files umbrella under “General Liability & Umbrella” on its policies page. Neither shows limit amounts, so expect to learn capacity only from a quote. ² ⁵

What Should You Confirm in Amelia Risk and CFC Umbrella and Excess Liability Insurance Quotes?

Tell CFC which primary policies you carry, including professional and cyber, and who wrote them. ⁵
Ask Amelia Risk which policies the increase follows and whether it’s umbrella or excess. ¹
Get limits in dollars from both. ¹ ⁵
Ask CFC which insurer issues the policy. ⁶

Amelia Risk vs CFC Umbrella and Excess Liability Insurance Compared

Amelia Risk vs CFC: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Umbrella / Excess Liability	CFC Umbrella Cover
Who It’s For	Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ³Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits.	CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ⁵Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.
How to Apply	Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.	The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ⁵Company-reported. Umbrella cover product page call to action.
Coverage Features	Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ¹Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.	CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ⁵Company-reported. Umbrella cover product page.
Role in This Line	Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ²Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.	CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ⁵Company-reported. Umbrella cover product page description of what the policy tops up.