CFC vs 
Chubb: How Do They Compare for Umbrella and Excess Liability Insurance?
Chubb underwrites umbrella directly for mid-sized, national, energy and construction companies and offers an appointed-broker platform; CFC sells one excess layer over GL, professional or cyber policies from any insurer.
CFC suits a small or micro business that wants one excess policy over its professional, general or cyber liability, even when another insurer holds those policies. Chubb suits mid-sized, national, energy and construction companies, with an Express Umbrella tool that lets its brokers quote and bind quickly. 1,3,4
What Are the Key Differences Between CFC and Chubb Umbrella and Excess Liability Insurance?
Company Size and What the Layer Sits Over
A 10-person consultancy with a tech E&O policy from one insurer and cyber from another can still buy CFC's excess over both. CFC covers professional liability, general liability, cyber or any mix in one contract, whether or not CFC wrote the primary, and it targets small and micro businesses across many professions. Chubb builds separate umbrella options for large national, mid-sized, energy and construction companies. Small businesses can add it through Chubb's Total Account Solution. Choose CFC if you're small and your primary policies sit with other insurers; choose Chubb if you're mid-sized or larger, or in energy or construction. 1 3 4
How Fast You Can Get a Quote
Chubb's Express Umbrella lets its appointed brokers reserve, quote, bind and issue an umbrella directly, and you can also request a quote online or through an agent. CFC only asks you to contact it; it describes no online quote. Neither publishes maximum limits. 3 1
What Should You Confirm in CFC and Chubb Umbrella and Excess Liability Insurance Quotes?
- Tell CFC which of your professional, general and cyber policies sit with other insurers, and ask which the excess will follow. 1
- Ask Chubb whether your quote is a standalone umbrella or a Total Account Solution add-on. 3 4
- Ask both for the limit and where it attaches; neither publishes maximums. 1 3
- Ask both which insurer issues the policy; CFC doesn't tie its Lloyd's syndicate to this product, and Chubb's page doesn't name the writing company. 2 3
CFC vs Chubb Umbrella and Excess Liability Insurance Compared
CFC vs Chubb: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Chubb Umbrella & Excess Casualty Insurance |
|---|---|---|
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 1Company-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. 3Company-reported. Umbrella & Excess Casualty Insurance Options section. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-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. 3Company-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. 3Company-reported. Umbrella & Excess Casualty product page quote call-to-action. |
| 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. 1Company-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. 3Company-reported. Umbrella & Excess Casualty product page option descriptions. |
| 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. 1Company-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. 3,4Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section. |
