CFC vs 
Gallagher: How Do They Compare for Commercial Property Insurance?
CFC combines property and general liability in one policy with a stated property limit up to $10 million; Gallagher brokers building and property cover through partner carriers.
Gallagher explains that a landlord’s policy protects the building, not a tenant’s property inside; CFC bundles property, contents and business interruption with general liability up to $10 million. 4,2
What Are the Key Differences Between CFC and Gallagher Commercial Property Insurance?
Protecting a Tenant’s Property
Gallagher notes that commercial landlords insure their own building, not a tenant’s property inside it. That matters if you rent a space but own the inventory, tools, equipment or fixtures kept there. Gallagher’s advisor form can start a discussion about your property needs; ask what limit applies to your contents and whether building coverage is needed for your lease. 4 4
Coverage and Bundle
CFC sells property only in a combined policy with general liability. Its property section covers rebuilding or repairing the building, contents and resulting business interruption, with a published property limit up to $10 million. If you do not need liability with the property, ask whether the bundled premium still makes sense; if you do, compare the combined terms with separate coverage. 1 2 2
How You Start
Gallagher routes small-business buyers to a Connect With An Advisor form asking for company details, business description, employee count and revenue. CFC provides a downloadable application and lists industries it favors and declines. If your company is a manual contractor, nightclub, bar, amusement arcade or aviation business, confirm CFC appetite before applying. 4 2
What Should You Confirm in CFC and Gallagher Commercial Property Insurance Quotes?
- If you rent, ask whether your lease requires you to insure the building, improvements, contents or all three. 4
- Ask Gallagher for the insurer, limits, deductibles and premium; its page routes buyers to an advisor and does not publish those figures. 4 4
- Ask CFC whether the $10 million property limit covers your building and contents values and what sublimits apply. 2
- Compare the total CFC bundle cost with other coverage that includes general liability and property. 1
CFC vs Gallagher Commercial Property Insurance Compared
CFC vs Gallagher: Commercial Property Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Gallagher Small Business Building & Property 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 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. 2Company-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. 4Company-reported. Product page "Do you need Building and Property Coverage?" list; actual acceptance depends on underwriting. |
| Coverage Features | 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. 2Company-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. 2Company-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. 4Company-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. 4Company-reported. Product page context; specific lender or landlord requirements vary by lease and loan agreement. |
| Role in This Line | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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. | 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. 4,5Company-reported. Small-business product page and the group-level property practice page. |
