CFC vs Corgi Professional Liability (E&O) Insurance

CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. ^5,6Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.

Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^9,13Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.

The reviewed professional liability page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. ^5,6Not publicly disclosed. Professional liability product page and professions brochure 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 this product would need to come from the quote or declarations.

No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ⁸Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.

CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. ⁶Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^9,13Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.

CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. ⁶Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued.

Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. ⁶Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.

Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^9,13Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.

CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. ⁶Company-reported. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting.

No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^9,13Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.

Not described in the reviewed sources.

The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. ^9,13Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.

CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. ⁵Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole.

Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^9,13Company-reported. Homepage and startup-insurance page policy-card labeling.

CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. ⁷Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product.

Not described in the reviewed sources.