CFC vs 
Chubb: How Do They Compare for General Liability Insurance?
CFC packages general liability with property and lists a casualty limit up to $6 million; Chubb also packages GL for small businesses but offers GL Plus with additional pollution coverage.
CFC combines general liability and commercial property into one Property & Casualty policy with a published $6M casualty limit, while Chubb offers a separate GL Plus product that combines general liability with pollution coverage. 2,5
What Are the Key Differences Between CFC and Chubb General Liability Insurance?
Two Different Bundles
CFC sells general liability bundled into one Property & Casualty policy alongside commercial property, rather than as a standalone general liability product. 1 Chubb also does not sell general liability as a standalone monoline product, but bundles it differently: inside its BOP, Benchmarq and Customarq package policies, or combined with pollution coverage in its dedicated GL Plus product.
Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 4,7Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package.
Published Limits Versus Eligibility Criteria
CFC's brochure publishes a casualty limit of up to $6,000,000 for its combined property-and-liability policy. 2 Chubb's reviewed pages do not publish a specific general liability limit, but do publish eligibility criteria: its package products target small businesses with up to $30 million in revenue across more than 500 business classes. 4
Underwriting Appetite
CFC's brochure lists favored classes such as manufacturers, distributors, e-commerce sellers and office premises, and says it ordinarily declines amusement arcades, nightclubs, manual contractors, and aviation or aerospace risks. 2 Chubb's reviewed pages describe its GL Plus product as built for businesses with pollution exposure alongside standard general liability, a different underwriting angle than CFC's declined-class list. 5
What Should You Confirm in CFC and Chubb General Liability Insurance Quotes?
- Ask CFC which insurer underwrites the Property & Casualty policy, since its brochure describes CFC as the policy designer rather than the risk-bearing carrier. 1
- Ask Chubb whether it will quote general liability inside a BOP, a GL Plus pollution combination, or another package for your business. 4
- If your business has pollution exposure, compare CFC's pollution coverage inside its general liability grant against Chubb's dedicated GL Plus product. 2
- Confirm Chubb's published limits and deductibles directly, since its reviewed pages do not publish specific dollar amounts. 4
CFC vs Chubb General Liability Insurance Compared
CFC vs Chubb: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Chubb General Liability Insurance |
|---|---|---|
| Who It’s For | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 4Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package. |
| Coverage Features | The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 2Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. 2Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. | Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. 5Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. 4Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state. |
| Role in This Line | CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. | Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 4,7Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package. |
