CFC vs 
Foxquilt: How Do They Compare for Umbrella and Excess Liability 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. 1,2,3,4
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 6,7
Read the Foxquilt Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
One excess layer or umbrella across policies
CFC says one excess policy can sit over professional liability, general liability, cyber, or a combination, even when another insurer wrote the primary policies. Foxquilt also describes umbrella across multiple existing policies, but its reviewed overview directs buyers toward higher CGL limits and does not name the lines in the schedule. For a business layering several policies, CFC names the possible lines while Foxquilt leaves that mapping to the quote. 5 8
Eligibility and quote details
CFC targets small and micro businesses across a wide range of professions and asks interested businesses to contact it; Foxquilt offers a quote path and frames its buyer guidance around increasing CGL limits. Neither reviewed page gives the terms for a particular account, so the useful comparison is which primaries each quote will schedule and what attachment limits it requires. 5 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask CFC whether its quote will attach to each named primary policy and state the required limits; its page does not publish those thresholds. 5
- Ask Foxquilt whether its quote is umbrella across multiple lines or excess over CGL alone, and request the actual limits, exclusions, and attachment terms. 8
CFC and Foxquilt Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
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.[4][11]
Read CFC reviewsFoxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsCFC vs Foxquilt Umbrella and Excess Liability Insurance Compared
CFC vs Foxquilt: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Foxquilt Umbrella Insurance |
|---|---|---|
| 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. 5Company-reported. Umbrella cover product page description of what the policy tops up. | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | Confirm in your quote. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. 5Company-reported. Umbrella cover product page. | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 5Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 8Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Related Pages for CFC vs Foxquilt Umbrella and Excess Liability
Umbrella and Excess Liability Insurance Pages for CFC and Foxquilt
Other Coverage Lines Compared for CFC vs Foxquilt
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for CFC vs Foxquilt Umbrella and Excess Liability Insurance
Sources About CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
Sources About Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
