CFC vs 
Gallagher General Liability Insurance
CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial. Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 8,9,10,11,12
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 14,15
Key Differences in General Liability Insurance
Placement Versus Underwriting
The records show 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. 5 Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself.
Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. 13Company-reported. Product page coverage overview; the issued policy and its exclusions control.
Insuring Grants Compared
CFC's general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 5 Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. 13
Limit Disclosure
CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. 5 Gallagher's general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 13
What to Confirm in General Liability Insurance Quotes
Offering Details
CFC vs Gallagher General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Gallagher Small Business General Liability Insurance |
|---|---|---|
| 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. 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 general liability coverage with partner carriers rather than underwriting the policy itself. 13Company-reported. Gallagher Small Business's direct-to-small-business general liability product page. |
| Issuing Insurer | 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 general liability product page does not name the insurer that would issue a given business's policy. 13Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| 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. 6Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Not described in the reviewed sources. |
| 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. 6Company-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. 6Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. | Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. 13Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. 13Company-reported. Product page expense list; the issued policy and its exclusions control. |
| Limits and Retentions | CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. 6Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. | The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 13Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. 13Company-reported. Product page "Get Covered Now" section. |
| Claims Support | CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 7Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Gallagher Comparisons
Other General Liability Insurance Comparisons
Sources
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 USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- Property & casualty. CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
- Property & casualty | Product brochure | United States. CFC; At a glance; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
- Claims. CFC; Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes". Accessed 2026-09-23.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- General Liability. Gallagher Small Business; Coverage Overview; claim-cause examples (product-related injury, operations-related damage, libel/slander allegations); typical covered expenses list; Get Covered Now. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
