---
title: "Beazley vs CFC Management Liability Insurance"
description: "Beazley’s ExecuGuard packages D&O, EPL and fiduciary up to $20 million; CFC’s US package also adds crime, executive cyber and K&R."
canonical: "https://spot.insure/compare/beazley-vs-cfc/management-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Beazley vs CFC Management Liability Insurance

Beazley’s ExecuGuard packages D&O, EPL and fiduciary up to $20 million; CFC’s US package also adds crime, executive cyber and K&R.

## Research Scope and Use

Use this comparison to evaluate Beazley and CFC for Management Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Beazley underwrites ExecuGuard for private organizations with combined limits up to US $20 million. CFC’s US Management Liability package also includes crime, executive cyber, kidnap and ransom and reputation protection, and its brochure declines California-domiciled and US public companies. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [5](https://www.cfc.com/en-us/company/ "About CFC") [6](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [7](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [8](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Management Liability Insurance?

Management liability brings together coverage options for risks associated with running an organization, such as directors and officers liability and employment practices liability. [12](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [13](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance") [14](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio")

## Key Differences in Management Liability Insurance

### What Each Carrier Puts in the Package

Beazley ExecuGuard combines private-company D&O, employment practices and fiduciary, with shared or separate limits, plus investigation, books-and-records, workplace-violence and privacy-violation features and sublimited immigration, OSHA and (subject to underwriting) wage-and-hour defense. CFC’s US package also covers those three plus crime, executive cyber, kidnap and ransom, executive reputation protection and court attendance, and CFC sells Side A DIC separately. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Limits You Can See in Public

Beazley advertises combined ExecuGuard limits up to US $20 million. CFC’s reviewed product page and brochure do not publish per-occurrence or aggregate limits, retentions or premiums. Both pages leave the exact issuing entity unnamed, though Beazley notes admitted and non-admitted versions and CFC discloses Syndicate 1988 and CFC Underwriting Limited at group level. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [8](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

### Who They Will Consider

ExecuGuard is marketed to private organizations, not public companies. CFC lists California-domiciled business and US publicly traded companies among declines, and favors manufacturing, technology, professional services, architects and engineers, and non-profits. A California private company is therefore in Beazley’s stated private-organization market while sitting on CFC’s decline list. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### Services and Contacts

ExecuGuard policyholders can choose counsel from an approved panel and use BeazleySure resources. CFC ties reputation specialists to executive reputation cover and routes US claims through phone, email or form to a dedicated adjuster, with claims staff organized by industry. Both point buyers to named underwriting or product teams rather than a self-serve quote. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.cfc.com/en-us/claims/ "Claims") [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

## What to Confirm in Management Liability Insurance Quotes

- Check CFC’s California and public-company decline list against your domicile and listing status. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask Beazley how the $20 million is split; ask CFC for unpublished limits in the quote. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Confirm whether crime, executive cyber, K&R and reputation sit on CFC’s form, and whether Beazley’s wage-and-hour and OSHA sublimits are granted. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")
- Get the issuing Beazley entity (admitted or not) and CFC’s issuing carrier or syndicate. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [8](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## Offering Details

| Criteria | Beazley ExecuGuard | CFC Management Liability |
| --- | --- | --- |
| 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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy..) |
| Issuing Insurer | The ExecuGuard page does not name the specific Beazley insurance entity that issues the policy. Both admitted and non-admitted versions are advertised, so the issuing carrier and its admitted status depend on the policy placed. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Not found in reviewed sources; scope: ExecuGuard page as read on 2026-09-23; the issued policy's declarations control the actual insurer..) | CFC's regulatory page discloses that CFC Underwriting Limited is FCA-authorized and that CFC's Lloyd's Syndicate 1988 is managed by Asta Managing Agency Ltd, but the reviewed management-liability pages do not name the specific carrier or syndicate that would issue a given US package. [8](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Regulatory information page and management-liability brochure as read on 2026-09-23; the insurer identified on an actual quote or declarations page controls..) |
| 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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: ExecuGuard page as a package; component-level eligibility (e.g. EPL's employee-count guidance) is documented in the corresponding single-line offering records, 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: ExecuGuard product page feature list; exclusions and conditions are set by the issued policy..)<br><br>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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | Beazley advertises combined ExecuGuard limits up to US $20 million, which the buyer can structure as separate limits per coverage or a single shared limit across D&O, EPL and fiduciary. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount..) | The reviewed product page and brochure do not publish per-occurrence or aggregate limits, retentions or premium ranges for the package. The reviewed pages checked did not disclose these figures. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Product page and brochure as read on 2026-09-23; limits and deductibles appear on the quote and declarations..) |
| 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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [10](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality..) |
| How to Apply | The ExecuGuard page does not describe a self-service online quoting flow; it lists named Executive Risk underwriters by region as broker/buyer contacts instead. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: ExecuGuard product page team listing as read on 2026-09-23..) | The reviewed management-liability page and brochure do not describe an online quote or self-service application; they point prospective buyers to CFC's named US Management Liability Team. [9](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Not found in reviewed sources; scope: Product page and brochure as read on 2026-09-23; a broker may have access to a separate application form not reviewed here..) |
| 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. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [11](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing..) |

## Full Comparison

- [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc): all coverage lines, business roles, service and claims.
- [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment practices and other protection for the risks of running your business.
- [Beazley vs CFC Commercial Property Insurance](https://spot.insure/compare/beazley-vs-cfc/commercial-property)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs CFC Cyber Insurance](https://spot.insure/compare/beazley-vs-cfc/cyber)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/employment-practices)
- [Beazley vs CFC General Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/general-liability)
- [Beazley vs CFC Media Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/media)
- [Beazley vs CFC Product Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/product-liability)
- [Beazley vs CFC Product Recall Insurance](https://spot.insure/compare/beazley-vs-cfc/product-recall)
- [Beazley vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions)
- [Beazley vs CFC Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-cfc/representations-warranties)
- [Beazley vs CFC Tech E&O Insurance](https://spot.insure/compare/beazley-vs-cfc/technology-errors-omissions)
- [Beazley vs CFC Telehealth Insurance](https://spot.insure/compare/beazley-vs-cfc/virtual-care-telehealth)
- [Alliance Risk vs Beazley Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/management-liability)
- [Alliance Risk vs CFC Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/management-liability)
- [Beazley vs Chubb Management Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/management-liability)
- [Beazley vs Coverdash Management Liability Insurance](https://spot.insure/compare/beazley-vs-coverdash/management-liability)
- [Beazley vs Cowbell Management Liability Insurance](https://spot.insure/compare/beazley-vs-cowbell/management-liability)
- [Beazley vs Embroker Management Liability Insurance](https://spot.insure/compare/beazley-vs-embroker/management-liability)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; Execuguard package policy introduction; What we offer: separate or shared limits among EPL, D&O and fiduciary; How can we help: insured-person investigation coverage, books and records, workplace violence, privacy violation; Limits up to US $20,000,000, both admitted and non-admitted; Examples or Scenarios. Accessed 2026-09-23.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.

### CFC

5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
6. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
7. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
8. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.
9. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC; Meet the team. Accessed 2026-09-23.
10. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; Employment practices liability; Executive reputation protection; Executive cyber; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
11. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you; Our claims team. Accessed 2026-09-23.

### Management Liability Insurance Guide

12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
13. [Management Liability Insurance](https://www.thehartford.com/management-liability-insurance). The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
14. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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