Amelia Risk vs CFC Umbrella and Excess Liability Insurance

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. ⁵Company-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. ¹¹Company-reported. Umbrella cover product page description of what the policy tops up.

Not described in the reviewed sources.

The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. ^11,10Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product.

Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ⁶Company-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. ¹¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.

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. ⁴Company-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. ¹¹Company-reported. Umbrella cover product page.

The reviewed pages do not publish umbrella or excess limit amounts, attachment points or required underlying limits; Amelia Risk's description stays at the level of the product's general purpose. ^4,5Not publicly disclosed. General Liability page and policies hub as read on 2026-09-23. A checked gap, not a statement that no limit options exist.

The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. ¹¹Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself.

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. ²Company-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. ¹¹Company-reported. Umbrella cover product page call to action.