CFC vs 
CNA: How Do They Compare for Management Liability Insurance?
CFC: 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. 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. CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. 5,6,11
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 8,9,10
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 12,13,14,15,16,17
What Are the Key Differences Between CFC and CNA Management Liability Insurance?
Coverage and package structure
CFC: 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. 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.. CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. This is a pair-specific comparison of coverage claims; check both details against the proposed terms. 5 6 11
Buyer scope and eligibility: second documented difference
CFC: 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. Scope: Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive.. CNA: CNA discusses exposures for public/private companies, nonprofits and smaller businesses. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. This is a pair-specific comparison of eligibility claims; check both details against the proposed terms. 6 11
What Should You Confirm in CFC and CNA Management Liability Insurance Quotes?
CFC and CNA Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsCNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsCFC vs CNA Management Liability Insurance Compared
CFC vs CNA: Management Liability Insurance: documented features by provider
| Criteria | CFC Management Liability | CNA Management Liability / Epack 3 |
|---|---|---|
| Role in This Line | 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. 5,6Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy. | Confirm in your quote. |
| Issuing 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. 4,6Not publicly disclosed. Regulatory information page and management-liability brochure as read on 2026-09-23; the insurer identified on an actual quote or declarations page controls. | Confirm in your quote. |
| Who It’s For | 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. 6Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive. | CNA discusses exposures for public/private companies, nonprofits and smaller businesses. 11Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Coverage Features | 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. 5,6Company-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. | CNA’s portfolio combines D&O, EPL, fiduciary, fidelity/crime and kidnap/ransom/extortion coverages. 11Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says Epack 3 lets agents design a modular mix for management-liability exposures. 11Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Limits and Retentions | 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. 6Not publicly disclosed. Product page and brochure as read on 2026-09-23; limits and deductibles appear on the quote and declarations. | Confirm in your quote. |
| Risk Services | 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. 6,7Company-reported. Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality. | Confirm in your quote. |
| How to Apply | 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. 5Not found in reviewed sources. Product page and brochure as read on 2026-09-23; a broker may have access to a separate application form not reviewed here. | CNA directs agents to Agent Center for applications. 11Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. |
| Claims Support | 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. 7Company-reported. Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing. | Confirm in your quote. |
Related Pages for CFC vs CNA Management Liability Insurance
Management Liability Insurance Pages for CFC and CNA
Other Coverage Lines Compared for CFC vs CNA
Other Management Liability Insurance Provider Comparisons
Sources for CFC vs CNA Management Liability Insurance
Sources About 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; CFC USA Inc. Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC; Meet the team. Accessed 2026-09-23.
- Management liability — United States product brochure. 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.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you; Our claims team. Accessed 2026-09-23.
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
Sources for the Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
