CFC vs 
Coverdash: How Do They Compare for Umbrella and Excess Liability Insurance?
Coverdash sells an umbrella online above GL, commercial auto and employer liability; CFC sells excess over professional liability, GL or cyber, even when another insurer holds the primary policy.
Coverdash lets you buy an umbrella online that sits over general liability, commercial auto and employer's liability. CFC writes its own excess layer over professional liability, general liability or cyber, even when another insurer wrote your primary policy. 3,4,1
What Are the Key Differences Between CFC and Coverdash Umbrella and Excess Liability Insurance?
What Your Extra Limit Sits On Top Of
The two protect against different lawsuits. Coverdash's umbrella extends the policies that respond to injuries, vehicle accidents and employee injury claims. CFC's layer extends professional liability, general liability or cyber, alone or in any combination. Of the two, only CFC describes extra limit for a client suing over your work or a data breach. Choose Coverdash if you run a physical business with vehicles or staff and want to buy online; choose CFC if a client contract requires more professional liability or cyber limit than your current policy carries. 3 1
Buying Online Versus Contacting the Insurer
Coverdash is a broker, and it runs quote to purchase online on top of policies you already hold. It also lists umbrella and excess as separate catalogue entries. CFC is the insurer itself, and its page asks you to contact CFC, with no online quote tool. Expect Coverdash to be faster; expect CFC to take a conversation. 3 5 4 1
What Should You Confirm in CFC and Coverdash Umbrella and Excess Liability Insurance Quotes?
- Ask Coverdash which insurer issues your umbrella, and ask CFC which of its companies writes the excess. 3 2
- Ask Coverdash whether you're quoting its umbrella entry or its separate excess entry, and whether it can sit over professional liability. 5
- Tell CFC exactly which of your professional, general liability and cyber policies it should sit over. 1
- Check that your auto and employer's liability policies meet Coverdash's underlying requirements before you buy. 3
CFC vs Coverdash Umbrella and Excess Liability Insurance Compared
CFC vs Coverdash: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Coverdash Commercial Umbrella 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. | Coverdash markets umbrella coverage to businesses that face large liability exposure or whose contracts require higher limits than their underlying policies carry. 3Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the underlying policies already in place. |
| 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. | Coverdash describes a fully digital quote-to-purchase process for umbrella coverage, which it sells on top of a business's existing underlying policies. 3Company-reported. Product-page company information and cross-sell section. |
| 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. | Coverdash describes its umbrella product as an extra layer of liability limits that sits above general liability, commercial auto and the employer-liability part of workers' compensation once those underlying limits are exhausted by a large claim. 3Company-reported. Product-page coverage cards; the underlying policies and their limits determine when umbrella coverage attaches, and the issued umbrella policy controls actual wording and exclusions. |
| 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. | Coverdash arranges commercial umbrella coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. 4,3Company-reported. General brokerage terms applied to the umbrella page; not specific to any one carrier or state. |
