Beazley vs 
CFC: How Do They Compare for Commercial Property Insurance?
Beazley underwrites property for mid-sized and large US or Canadian accounts; CFC bundles property with general liability, favors manufacturers and retailers, and lists up to $10 million in property limits, so scale and packaging are key.
Beazley underwrites commercial property as a standalone excess-and-surplus product for mid-sized and large accounts, while CFC sells property bundled into a single Property & Casualty policy with general liability, capped at a published $10 million property limit. 1,3
What Are the Key Differences Between Beazley and CFC Commercial Property Insurance?
Standalone Property Versus a Combined Policy
Beazley underwrites this line as a standalone commercial property product, sold on an excess and surplus lines basis. 1 CFC instead sells commercial property as one component of a single Property & Casualty policy that also carries general liability, rather than as a separate product a buyer picks on its own. 2
Who Each Product Targets
Beazley targets mid-sized and large commercial accounts in the US and Canada, naming industries such as commercial real estate, retail, hospitality, healthcare, manufacturing and warehousing. 1 CFC's brochure instead lists specific appetite and decline lists for its combined product — favoring manufacturers, distributors, e-commerce sellers and office premises, and ordinarily declining nightclubs, manual contractors and aviation risks:
CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting.
Coverage Structure and Published Limits
Beazley's coverage highlights include All Risk Property, Named Selected Peril for named storm, flood and earthquake, and standalone political violence and terrorism protection, but it does not publish a specific limit or retention figure. 1 CFC publishes a property limit of up to $10 million for its combined product and separately offers add-on enhancements such as a cyber and privacy extension. 3
What Should You Confirm in Beazley and CFC Commercial Property Insurance Quotes?
- Ask Beazley for the specific limit, retention and program structure it would offer your account, since its page does not publish figures. 1
- Ask CFC whether the $10 million property limit fits your building and contents value, or whether you'd need a higher limit elsewhere. 3
- Ask both companies to name the entity that would actually issue your policy, since neither reviewed page discloses an insurer. 1 2
- If you need general liability alongside property, ask CFC how bundling affects pricing compared with buying each line separately. 2
Beazley vs CFC Commercial Property Insurance Compared
Beazley vs CFC: Commercial Property Insurance: documented features by provider
| Criteria | Beazley North American Commercial Property | CFC Property & Casualty |
|---|---|---|
| Limits and Retentions | Beazley says it can support manuscript and company coverage forms in shared, layered or quota-share program structures, with a stated preference for attaching as the primary layer, but does not publish specific limit, retention or capacity amounts. 1Company-reported. How can we help section; dollar figures are not disclosed and depend on the account. | CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. 3Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. |
| Who It’s For | Beazley targets mid-sized and large commercial accounts domiciled in the US and Canada, citing example industries such as commercial real estate, retail, hospitality, healthcare, manufacturing and warehousing/distribution. 1Company-reported. Who we can help and Where is this offered sections; smaller accounts and other geographies are not addressed. | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting. |
| Coverage Features | Coverage highlights listed are All Risk Property, Named Selected Peril for named storm, flood and earthquake, parametric coverage available for named storm and earthquake, and standalone coverage for political violence, terrorism and deadly weapons protection. 1Company-reported. Coverage highlights bullet list; exclusions, sublimits and triggers are not detailed on this page. | CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. 3Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. 3Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting. |
| Role in This Line | Beazley underwrites this commercial property line itself, on an excess and surplus lines basis, rather than describing it as a brokered or program-administered product. 1Company-reported. North American Commercial Property product page; 'Who we can help' and 'How can we help' sections. | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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. |
| Claims Support | Beazley describes a dedicated, award-winning claims team with experience across a range of industry sectors for this property line, without detailing claims-handling procedures or response-time commitments. 1Company-reported. How can we help section; outcome and timeliness statements are not independently verified. | CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. 4Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property. |
