---
title: "CFC vs CNA: Product Liability Insurance"
description: "CFC brochures list product-liability maxima of $15 million claims-made and $7 million occurrence, subject to underwriting; CNA says qualified U.S. small-business life-sciences applicants may obtain product liability with E&O limits up to $10 million."
canonical: "https://spot.insure/compare/cfc-vs-cna/product-liability"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cfc-vs-cna"
provider-a: "cfc"
provider-b: "cna"
coverage-line: "product-liability"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cfc-vs-cna/product-liability)

## Agent Guide

**What this page is:** Focused comparison of CFC and CNA for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about CFC versus CNA. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs CNA for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, CFC or CNA?
- What does CFC or CNA publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Product Liability Insurance from CFC or CNA?

**Key facts:**
- Line: Product Liability Insurance. Providers: CFC and CNA.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CFC vs CNA](https://spot.insure/compare/cfc-vs-cna) — parent: all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — coverage explainer for this line
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [CFC vs CNA Commercial Property Insurance](https://spot.insure/compare/cfc-vs-cna/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Crime Insurance](https://spot.insure/compare/cfc-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Cyber Insurance](https://spot.insure/compare/cfc-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA D&O Insurance](https://spot.insure/compare/cfc-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA General Liability Insurance](https://spot.insure/compare/cfc-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Management Liability Insurance](https://spot.insure/compare/cfc-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Media Liability Insurance](https://spot.insure/compare/cfc-vs-cna/media) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Tech E&O Insurance](https://spot.insure/compare/cfc-vs-cna/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CFC vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-cna/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CFC Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)

# CFC vs CNA: How Do They Compare for Product Liability Insurance?

CFC brochures list product-liability maxima of $15 million claims-made and $7 million occurrence, subject to underwriting; CNA says qualified U.S. small-business life-sciences applicants may obtain product liability with E&O limits up to $10 million.

## How to Use the CFC vs CNA Product Liability Insurance Comparison

Use this comparison to evaluate CFC and CNA for Product 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.

## CFC vs CNA Product Liability Insurance Summary

CFC’s life-science and nutraceutical brochures list maxima of $15 million claims-made and $7 million occurrence; CNA’s U.S. small-business page states qualified life-sciences applicants may obtain product liability with E&O limits up to $10 million. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [13](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

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

## 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. [9](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [10](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [11](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Product Liability Insurance?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [17](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [19](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## What Are the Key Differences Between CFC and CNA Product Liability Insurance?

### Limits Depend on the Policy Form

CFC lists maximum product-liability limits of $15 million on a claims-made basis and $7 million on an occurrence basis for its life-science and nutraceutical packages. CNA’s U.S. small-business page says qualified life-sciences applicants may obtain product liability with E&O limits up to $10 million. A separate CNA FAQ copyrighted in 2023 described separate or one-aggregate options for small-business life-sciences risks; ask whether the current quote offers that structure and compare its form with CFC’s. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [13](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") [14](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA")

### Package Eligibility

CFC sells product liability within life-science or nutraceutical packages and describes specific appetite limits, including exclusions for some implantable devices and ingredients. CNA names pharma, nutraceutical, biotech, device, and clinical-trial buyers. Give each provider your product composition, use, and sales channel; eligibility can narrow the usable limit before terms are compared. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [12](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA")

## What Should You Confirm in CFC and CNA Product Liability Insurance Quotes?

- Ask CFC whether the specific product is eligible and which maximum applies to the quoted form. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States")
- Ask CNA for the limit, policy form, and E&O aggregate allocation. [14](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA")

## CFC vs CNA Product Liability Insurance Compared

| Criteria | CFC Life Science and Nutraceuticals | CNA Life Sciences Product Liability |
| --- | --- | --- |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") (Evidence: Company-reported; scope: Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure..) | Confirm in your quote. |
| Issuing Insurer | The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Life science page and both brochures as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for either package would need to come from the quote or declarations..) | Confirm in your quote. |
| Who It’s For | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") (Evidence: Company-reported; scope: Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..)<br><br>For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..) | CNA targets life-sciences manufacturers, distributors and wholesalers, including pharmaceutical, nutraceutical, biotechnology and medical-device organizations, as well as R&D/clinical-trial organizations. [12](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Life-sciences product and professional liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control..) |
| Coverage Features | Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued..) | CNA markets a Life Sciences Work-Hazard Product Liability policy for bodily injury or property damage arising from product work-hazard claims. [12](https://www.cna.com/industries/life-sciences "Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Life-sciences Work-Hazard Product Liability Jurisdiction: United States Research source scope: U.S. life-sciences manufacturers, distributors, R&D and clinical-trial organizations Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control..)<br><br>CNA says Products–Work Hazard Liability and Professional Liability may be issued separately or combined with one aggregate; monoline options are available. [14](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES "Life Sciences Coverage Highlights FAQ | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences products and professional liability Jurisdiction: United States Research source scope: U.S. small-business life-sciences products liability; summary is not policy form Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source FAQ is dated 2023 and is an informational summary, not the issued policy form. Historical FAQ summary ©2023; not the issued form. Source/date qualification: Copyright ©2023; FAQ details are historical summary, not issued policy terms..) |
| Limits and Retentions | CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting..) | CNA’s small-business life-sciences page states that qualified applicants may obtain product liability with E&O limits up to $10 million. [13](https://www.cna.com/solutions/small-business/life-sciences "Small Business Life Sciences Insurance | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Small-business life-sciences Products Liability with E&O Jurisdiction: United States Research source scope: U.S. small-business life-sciences professional and products liability Claim limitation: Up to $10 million for qualified risks; not guaranteed offered limit or universal availability..) |
| How to Apply | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") (Evidence: Company-reported; scope: Life science product page's downloads list..) | Confirm in your quote. |
| Claims Support | CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. [8](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data..) | Confirm in your quote. |

## Related Pages for CFC vs CNA Product Liability Insurance

- [CFC vs CNA](https://spot.insure/compare/cfc-vs-cna): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [CFC vs CNA Commercial Property Insurance](https://spot.insure/compare/cfc-vs-cna/commercial-property)
- [CFC vs CNA Crime Insurance](https://spot.insure/compare/cfc-vs-cna/crime)
- [CFC vs CNA Cyber Insurance](https://spot.insure/compare/cfc-vs-cna/cyber)
- [CFC vs CNA D&O Insurance](https://spot.insure/compare/cfc-vs-cna/directors-officers)
- [CFC vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-cna/employment-practices)
- [CFC vs CNA General Liability Insurance](https://spot.insure/compare/cfc-vs-cna/general-liability)
- [CFC vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-cna/kidnap-ransom)
- [CFC vs CNA Management Liability Insurance](https://spot.insure/compare/cfc-vs-cna/management-liability)
- [CFC vs CNA Media Liability Insurance](https://spot.insure/compare/cfc-vs-cna/media)
- [CFC vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-cna/professional-errors-omissions)
- [CFC vs CNA Tech E&O Insurance](https://spot.insure/compare/cfc-vs-cna/technology-errors-omissions)
- [CFC vs CNA Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-cna/umbrella-excess)
- [AIG vs CFC Product Liability Insurance](https://spot.insure/compare/aig-vs-cfc/product-liability)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability)
- [Alliance Risk vs CFC Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/product-liability)
- [Alliance Risk vs CNA Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/product-liability)
- [Amelia Risk vs CFC Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-liability)
- [Amelia Risk vs CNA Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/product-liability)

## Sources for CFC vs CNA Product Liability Insurance

### Sources About CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [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.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences and Nutraceuticals tiles; "What does CFC's life science policy cover?" list; downloads (brochures, application forms). Accessed 2026-09-23.
6. [Life science | Product brochure | United States](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf). CFC; Commercial general liability; Product recall; At a glance: Products we consider / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
7. [Nutraceuticals | Product brochure | United States](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf). CFC; Products and completed operations; Product recall; At a glance: What we like / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
8. [Claims](https://www.cfc.com/en-us/claims/). CFC; Emerging risk: "CFC has pioneered coverage for many emerging risk areas - like intellectual property and nutraceuticals - and is one of the only teams in the market with experience handling claims from a variety of new sectors". Accessed 2026-09-23.

### Sources About CNA

9. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). 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.
10. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
11. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). 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.
12. [Life Sciences Insurance | CNA](https://www.cna.com/industries/life-sciences). CNA; Life Sciences: products, target classes, claims and risk control. Accessed 2026-09-28.
13. [Small Business Life Sciences Insurance | CNA](https://www.cna.com/solutions/small-business/life-sciences). CNA; Coverage and appetite: products liability, limits, optional features and target classes. Accessed 2026-09-28.
14. [Life Sciences Coverage Highlights FAQ | CNA](https://www.cna.com/sites/default/files/assets/85414205-73c9-4b2a-a407-dcb0a47a9840/cna-life-sciences-coverage-highlights-faq.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–3: work-hazard products liability, separate/combined form, recall benefit, reporting, availability and exclusions. Accessed 2026-09-28.

### Sources for the Product Liability Insurance Guide

15. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
16. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/facts-statistics-product-liability). Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
17. [Product liability, recall and contamination insurance](https://www.iii.org/article/product-liability-recall-and-contamination-insurance). Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
18. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
19. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## CFC Review Scores for 2026

Review Score: not enough ratings.

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.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cfc/reviews).

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Agent and Developer Resources

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