---
title: "CFC vs Counterpart: D&O Insurance"
description: "CFC includes D&O in its US Management Liability package and separately offers Side A DIC excess; Counterpart publishes distinct private-company and nonprofit D&O pages."
canonical: "https://spot.insure/compare/cfc-vs-counterpart/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cfc-vs-counterpart"
provider-a: "cfc"
provider-b: "counterpart"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-counterpart/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of CFC and Counterpart for D&O 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 D&O Insurance questions about CFC versus Counterpart. 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 Counterpart for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, CFC or Counterpart?
- What does CFC or Counterpart publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from CFC or Counterpart?

**Key facts:**
- Line: D&O Insurance. Providers: CFC and Counterpart.
- 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 Counterpart](https://spot.insure/compare/cfc-vs-counterpart) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [CFC vs Counterpart Crime Insurance](https://spot.insure/compare/cfc-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [CFC vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CFC vs Counterpart General Liability Insurance](https://spot.insure/compare/cfc-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC D&O Insurance](https://spot.insure/compare/aig-vs-cfc/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CFC D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)

# CFC vs Counterpart: How Do They Compare for D&O Insurance?

CFC includes D&O in its US Management Liability package and separately offers Side A DIC excess; Counterpart publishes distinct private-company and nonprofit D&O pages.

## How to Use the CFC vs Counterpart D&O Insurance Comparison

Use this comparison to evaluate CFC and Counterpart for D&O 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 Counterpart D&O Insurance Summary

CFC includes D&O in its US Management Liability package and separately offers Side A DIC excess; Counterpart markets separate private-company and nonprofit D&O products. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## 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)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [8](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [9](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [13](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [14](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [15](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between CFC and Counterpart D&O Insurance?

### Primary Package and Separate Side A DIC

CFC includes D&O within its US Management Liability package rather than as a standalone product and separately sells Side A DIC excess above an existing D&O program. Counterpart publishes a private-company D&O page and a separate page for not-for-profit organizations. A buyer comparing packaged D&O with an excess layer for individual directors can ask CFC how the Side A DIC placement sits above the existing program, while Counterpart prospects can confirm which segment page applies to their organization. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

### Stated Package Eligibility

CFC's U.S. brochure lists California-domiciled businesses and publicly traded U.S. companies among the risks it declines for the package that includes D&O. Counterpart markets separate private-company and nonprofit D&O pages, with eligibility subject to review of the proposed risk. A California-based or listed company should raise that status when asking CFC about the package; a nonprofit or private company should identify its Counterpart segment before comparing policy wording. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## What Should You Confirm in CFC and Counterpart D&O Insurance Quotes?

- Does CFC's package accept the company's domicile and public-company status, and what separate Side A DIC layer can be quoted over existing D&O? [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")
- Which Counterpart segment and insurer will the proposed quote name for your organization's legal form? [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## CFC vs Counterpart D&O Insurance Compared

| Criteria | CFC Directors & Officers Liability | Private Company and Nonprofit Directors & Officers Liability |
| --- | --- | --- |
| Role in This Line | CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC's management-liability product page and brochure; package composition as CFC describes it..) | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [8](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [12](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US D&O policy. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Regulatory information page and brochure as read on 2026-09-23..) | 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 the package that carries this D&O coverage. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What we decline' list; underwriting still applies to any individual business..) | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) |
| Coverage Features | CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms..)<br><br>CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages..)<br><br>CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here..) | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [10](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [11](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) |
| Limits and Retentions | The reviewed brochure does not publish a specific dollar limit, retention, or the size of the additional insured-persons limit for D&O. Those figures appear only on the quote and declarations. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Brochure as read on 2026-09-23..) | Confirm in your quote. |
| 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. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: Claims page as read on 2026-09-23; not specific to D&O claim outcomes or timing..) | Confirm in your quote. |

## Related Pages for CFC vs Counterpart D&O Insurance

- [CFC vs Counterpart](https://spot.insure/compare/cfc-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CFC vs Counterpart Crime Insurance](https://spot.insure/compare/cfc-vs-counterpart/crime)
- [CFC vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-counterpart/employment-practices)
- [CFC vs Counterpart General Liability Insurance](https://spot.insure/compare/cfc-vs-counterpart/general-liability)
- [CFC vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-counterpart/professional-errors-omissions)
- [AIG vs CFC D&O Insurance](https://spot.insure/compare/aig-vs-cfc/directors-officers)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [Alliance Risk vs CFC D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/directors-officers)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)
- [Amelia Risk vs CFC D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/directors-officers)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers)

## Sources for CFC vs Counterpart D&O 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 Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
6. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Counterpart

8. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
9. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
10. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
11. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
12. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources for the D&O Insurance Guide

13. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
14. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
15. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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).

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-counterpart/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)