CFC vs Gallagher Commercial Property Insurance

CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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.

Gallagher Small Business arranges building and property insurance with partner carriers rather than underwriting it; its larger property practice separately brokers property programs with underwriters for bigger accounts. ^13,14Company-reported. Small-business product page and the group-level property practice page.

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.

The buildings-and-property product page does not name the insurer that would issue a given business's policy. ¹³Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

Gallagher recommends this coverage for businesses that own or rent a building, store or office, own or rent expensive equipment or tools, hold inventory, or depend on other valuable business assets. ¹³Company-reported. Product page "Do you need Building and Property Coverage?" list; actual acceptance depends on underwriting.

CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ⁶Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued.

Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ⁶Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.

Gallagher describes building and property coverage as paying to repair or replace stolen, lost or damaged business property, including the building, equipment and store fixtures, after events such as fire, windstorm or a break-in. ¹³Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher notes that commercial landlords insure their own building but not a tenant's property inside it, and that most small-business lenders require proof of commercial property insurance for the life of a mortgage. ¹³Company-reported. Product page context; specific lender or landlord requirements vary by lease and loan agreement.

CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. ⁶Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

The buildings-and-property product page does not publish limits, deductibles or premiums; it routes buyers to an advisor inquiry form instead. ¹³Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23.

Not described in the reviewed sources.

Gallagher's group-level property practice lists appraisal services and global program placement among its property offerings, though these are described at the practice level rather than tied to the small-business product page. ¹⁴Company-reported. ajg.com property practice page; not confirmed as included in every small-business placement.

Not described in the reviewed sources.

Gallagher's buildings-and-property page routes buyers to a Connect With An Advisor form asking for company details, business description, additional coverage interests, employee count and annual revenue. ¹³Company-reported. Product page inquiry form, inspected without submission.

CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. ⁷Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property.

Not described in the reviewed sources.