CFC vs 
Chubb Umbrella and Excess Liability Insurance
CFC excess can sit over professional, general or cyber liability, including a non-CFC primary; Chubb underwrites segmented casualty umbrella.
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. 1,2,3,4
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 6,7,8
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 11,12
Key Differences in Umbrella and Excess Liability Insurance
What Each Product Sits Over
CFC sells an umbrella (excess) policy that sits above professional liability, general liability or cyber, or any combination of those three, in a single excess contract. Chubb underwrites umbrella and excess liability as an extra layer over existing liability policies, including as an add-on in its small-business Total Account Solution. A buyer comparing quotes needs to check which primary lines each layer actually attaches to. 5 9 10
Who Carries the Risk, and Who It Is Built For
Chubb underwrites the layer itself and structures separate options for large global and national companies, mid-sized companies, the energy industry, and construction. CFC targets small and micro businesses and says it will consider a wide range of professions. CFC also says it will provide the excess whether or not the underlying primary is placed with CFC. 9 5
How You Request a Quote
Chubb offers Express Umbrella so appointed brokers can reserve, quote, bind and issue umbrella, and you can also request a quote online or through an appointed independent agent. CFC’s product page directs interested businesses to contact CFC and does not describe an online quote or indication tool. Neither reviewed page publishes maximum excess limit amounts. 9 5
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask CFC which of professional liability, general liability and cyber will sit under the excess, and whether any primary is with another insurer. 5
- Ask Chubb which of its published segments the quote uses, and whether the layer is a standalone casualty placement or a Total Account Solution add-on. 9 10
- Confirm attachment points and limit amounts; both reviewed pages omit published maxima. 5 9
- Get the issuing entity: CFC’s pages do not tie Syndicate 1988 to this product, and Chubb’s casualty page does not name the writing company. 4 9
Offering Details
CFC vs Chubb Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Chubb Umbrella & Excess Casualty Insurance |
|---|---|---|
| Role in This Line | 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. 5Company-reported. Umbrella cover product page description of what the policy tops up. | Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. 9,10Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section. |
| Issuing Insurer | 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. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | Not described in the reviewed sources. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. 9Company-reported. Umbrella & Excess Casualty Insurance Options section. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 5Company-reported. Umbrella cover product page. | For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. 9Company-reported. Umbrella & Excess Casualty product page option descriptions. |
| Limits and Retentions | 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. 5Not 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. | The reviewed umbrella and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. 9Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23. When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. 10Company-reported. Workers'-compensation Total Account Solution section. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. 9Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers. You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. 9Company-reported. Umbrella & Excess Casualty product page quote call-to-action. |
Full Comparison
More CFC vs Chubb Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Umbrella & Excess Casualty Insurance. Chubb; Umbrella & Excess Casualty Insurance Options: Large Global and National Companies, Mid-Sized Companies, Energy Industry, Construction Industry; Express Umbrella Online Platform. Accessed 2026-09-23.
- Workers' Compensation Insurance for Small Business. Chubb; Total Account Solution: umbrella insurance providing an additional layer of coverage over existing liability policies. Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
