CFC vs Embroker General Liability Insurance

CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^5,6Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. ¹¹Company-reported. Product-page description; not a statement about the issuing insurer.

The reviewed property & casualty 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. Property & casualty product page and 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.

Not described in the reviewed sources.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ⁶Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. ¹¹Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. ¹¹Company-reported. Product-page FAQ: Is General Liability insurance required by law?

The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ⁶Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued.

CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ⁶Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. ¹¹Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. ¹¹Company-reported. Product-page What's not included section.

CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. ⁶Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. ¹¹Not publicly disclosed. Product page as read on 2026-09-23.

Not described in the reviewed sources.

Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. ¹¹Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.

CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. ⁷Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit.

Not described in the reviewed sources.