CFC vs 
Embroker: How Do They Compare for General Liability Insurance?
Embroker sells standalone general liability with online quotes in minutes for businesses with people, premises, or products; CFC combines GL with property and lists up to $6 million in casualty limits.
Embroker sells general liability as a standalone policy with an instant online quote, while CFC bundles general liability with commercial property into one Property & Casualty policy carrying a published $6M casualty limit. 4,2
What Are the Key Differences Between CFC and Embroker General Liability Insurance?
Standalone Line Versus Combined Policy
Embroker sells commercial general liability as a standalone line, with the option to package it alongside coverages like cyber and workers' compensation. 4 CFC's reviewed pages describe general liability only bundled into one Property & Casualty policy together with commercial property.
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. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.
Getting a Quote
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. 4 CFC's brochure describes underwriting appetite by class rather than an instant online quote, favoring manufacturers, distributors and office premises while ordinarily declining manual contractors and nightclubs. 2
Exclusions and Scope
Embroker says the policy excludes employee injuries, professional errors, employment practices claims, and damage to the policyholder's own commercial property. 4 CFC's general liability grant instead affirmatively covers tenants' legal liability and employee benefits liability within the same policy, coverage that Embroker's exclusions list does not extend to. 2
What Should You Confirm in CFC and Embroker General Liability Insurance Quotes?
- Ask Embroker which insurer would underwrite an instant quote, since its page does not name one. 4
- Ask CFC which insurer underwrites the Property & Casualty policy for your account. 1
- If your class of business is one CFC says it ordinarily declines, ask Embroker whether it can quote general liability for that class instead. 2
- Get specific per-occurrence and aggregate limits from Embroker, since its page only says higher limits cost more without publishing options. 4
CFC vs Embroker General Liability Insurance Compared
CFC vs Embroker: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Embroker Commercial General Liability Insurance |
|---|---|---|
| Who It’s For | 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. 2Company-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. 4Company-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. 4Company-reported. Product-page FAQ: Is General Liability insurance required by law? |
| Coverage Features | 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. 2Company-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. 2Company-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. 4Company-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. 4Company-reported. Product-page What's not included section. |
| Role in This Line | 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. 1,2Company-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. 4Company-reported. Product-page description; not a statement about the issuing insurer. |
