CFC vs 
Embroker: How Do They Compare for Product Liability Insurance?
Embroker offers product liability quotes online in under 10 minutes for businesses that make, repair, distribute or sell products; CFC sells it only inside life science and nutraceuticals packages, with published limits up to $15 million claims-made.
CFC packages product liability for life-science and nutraceuticals businesses with published maxima; Embroker offers standalone cover or a GL/BOP add-on and says digital quotes take under 10 minutes. 2,3,5
What Are the Key Differences Between CFC and Embroker Product Liability Insurance?
Package Coverage Versus Online Standalone or Add-On
Embroker offers standalone product liability or an addition to general liability or a BOP, quotes online in under 10 minutes and excludes recall costs; CFC sells the line only inside life-sciences or nutraceuticals packages that include government-enforced recall. 2 3 5
What the Base Grant Includes
Both packages at CFC cover legal expenses and compensation for bodily injury or property damage from use, ingestion, or (for life science) implantation of the insured’s product, plus government-enforced product recall with voluntary recall as an extension. Embroker lists coverage for bodily injury, property damage, illness and wrongful death from design, manufacturing or warning defects, and says the policy excludes product recall costs, which need a separate endorsement or recall policy. 2 3 5
Limits You Can Read Before You Quote
CFC’s brochures list a maximum products-liability limit of $15 million claims-made and $7 million occurrence for both packages. Embroker says pricing depends on product risk category, company size, revenue and claims history, and does not publish standard policy limits. 2 3 5
What Should You Confirm in CFC and Embroker Product Liability Insurance Quotes?
- Ask CFC whether the quote is life science or nutraceuticals and which trigger (claims-made or occurrence) applies to the products-liability limit. 2
- Ask Embroker whether the quote is a standalone policy, a GL endorsement or a BOP bundle, and whether recall is excluded as the product page describes. 5
- Compare recall: included as government-enforced cover on CFC’s packages versus excluded on Embroker’s described product-liability policy. 3 5
- Confirm Embroker’s chosen limits against CFC’s brochure maxima if you need a high limit. 5 2
CFC vs Embroker Product Liability Insurance Compared
CFC vs Embroker: Product Liability Insurance: documented features by provider
| Criteria | CFC Life Science and Nutraceuticals | Embroker Product Liability Insurance |
|---|---|---|
| Limits and Retentions | CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. 2,3Company-reported. "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting. | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 5Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. |
| Who It’s For | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 2Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 3Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 5Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. |
| How to Apply | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. 1Company-reported. Life science product page's downloads list. | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 5Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. |
| Coverage Features | Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. 2,3Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued. | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 5Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 5Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 1Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure. | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 5Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. |
