Beazley vs 
CFC: How Do They Compare for Management Liability Insurance?
Beazley ExecuGuard covers private companies' D&O, EPL and fiduciary with limits up to US $20 million; CFC's US package adds crime, executive cyber and kidnap and ransom, and declines US publicly traded companies.
Beazley’s ExecuGuard packages D&O, employment practices and fiduciary for private organizations with limits up to $20 million; CFC adds crime, executive cyber, kidnap and ransom and reputation cover but declines California-domiciled and US public companies and publishes no limits. 1,2,3
What Are the Key Differences Between Beazley and CFC Management Liability Insurance?
California Companies Can Buy Beazley, Not CFC
Beazley markets ExecuGuard to private organizations, including those in California. CFC lists California-domiciled businesses and US public companies among its declines and favors manufacturing, technology, professional services, architects and engineers, and nonprofits. Choose Beazley if you are a private company based in California or need a published $20 million ceiling; choose CFC if you are a private company elsewhere and want crime, executive cyber and kidnap cover in the same policy. 1 3
$20 Million Core Package vs Broader Cover With No Published Limits
ExecuGuard combines D&O, employment practices and fiduciary with shared or separate limits up to US $20 million, plus investigation, books-and-records, workplace-violence and privacy features, and sublimited immigration, OSHA and wage-and-hour defense. CFC covers those three lines plus crime, executive cyber, kidnap and ransom, executive reputation protection and court attendance, and sells Side A cover (for executives when the company can’t pay) separately. CFC publishes no limits, retentions or premiums. 1 2 3
Counsel Panel vs Dedicated Adjuster
Beazley lets you choose defense counsel from an approved panel and gives policyholders BeazleySure risk resources. CFC routes US claims by phone, email or form to a dedicated adjuster, with claims staff organized by industry and reputation specialists on call. 1 5 3
What Should You Confirm in Beazley and CFC Management Liability Insurance Quotes?
- Check CFC’s decline list against where you are domiciled and whether you are publicly listed. 3
- Ask Beazley how the $20 million is split across coverages; get CFC’s limits, retentions and premium in writing. 1 3
- Ask CFC which of crime, executive cyber, kidnap and reputation cover are on your policy, and at what limits. 3
- Ask Beazley whether your quote is admitted or non-admitted (outside state guaranty funds), and CFC which insurer issues. 1 4
Beazley vs CFC Management Liability Insurance Compared
Beazley vs CFC: Management Liability Insurance: documented features by provider
| Criteria | Beazley ExecuGuard | CFC Management Liability |
|---|---|---|
| Who It’s For | ExecuGuard is marketed to private organizations rather than public companies. Beazley's separate D&O, EPL and fiduciary product pages describe more specific eligibility details for each individual coverage that are not restated on the combined ExecuGuard page itself. 1Company-reported. ExecuGuard page as a package; component-level eligibility (e.g. EPL's employee-count guidance) appears on the corresponding single-line offering pages, not this one. | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for this package, and lists industries it favors, including manufacturing and distribution, technology, professional services, architects and engineers, and non-profits. 3Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive. |
| Coverage Features | Beazley lists coverage features shared across the bundle: broad insured-person investigation and inquiry coverage, books-and-records coverage, workplace-violence coverage with a business-interruption sublimit, and privacy-violation coverage affecting employees. 1Company-reported. ExecuGuard product page feature list; exclusions and conditions are set by the issued policy. The combined policy adds sublimited extensions for immigration-practices defense costs, OSHA proceedings and (subject to underwriting) wage-and-hour defense costs, plus settlor-capacity protection now written into the fiduciary insuring clauses. 1Company-reported. ExecuGuard product page; sublimit amounts are not published and appear only on a quote. | CFC describes the package as covering directors and officers liability, employment practices liability, fiduciary liability, crime, executive cyber, kidnap and ransom, and executive reputation protection, plus court attendance costs. 2,3Company-reported. Brochure's opening description and 'What else is in the policy?' list; the actual policy wording and any endorsements control what a given buyer receives. |
| Role in This Line | Beazley markets ExecuGuard as a single management-liability package policy combining private-company directors and officers (D&O), employment practices and fiduciary liability, which buyers can customize with separate or shared limits across the three coverages. 1Company-reported. US ExecuGuard package as described on the combined product page. Beazley does not market a separate US "management liability" product distinct from ExecuGuard in the reviewed sources; this record describes the same underlying product as the directors-officers, employment-practices and fiduciary offering records, at the bundle level. | CFC sells directors and officers, employment practices, fiduciary and crime coverage together in one US Management Liability package rather than as separate standalone products. CFC separately sells Side A DIC, an excess product for directors and officers only. 2,3Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy. |
| Risk Services | ExecuGuard policyholders can choose counsel from an approved panel and get access to BeazleySure risk-management resources. The combined page does not list specific tools. 1Company-reported. ExecuGuard product page; the EPL and fiduciary offering records list the specific BeazleySure features named on their own pages. | CFC's brochure says the executive reputation protection component includes access to its reputation-management specialists, and its claims page describes a claims team organized by industry and specialization rather than by insurance line. 3,5Company-reported. Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality. |
| Claims Support | Beazley illustrates its claims approach for the bundle with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal; this is a single company-reported example, not audited claims-outcome data. 1Company-reported. ExecuGuard page scenario section; outcome statistics are not independently verified. | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. Margaret Murphy is named as Global Head of Claims. 5Company-reported. Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing. |
