CFC vs 
Gallagher: How Do They Compare for Umbrella and Excess Liability Insurance?
CFC sells a single excess policy over professional, GL or cyber liability for small and micro businesses. Gallagher places umbrella and excess with outside carriers within a casualty practice that adds pre-renewal meetings and gap analysis.
CFC is the simple option for a small business: one excess policy that tops up professional, general or cyber liability. Gallagher is for companies that want a designed casualty program, with pre-renewal planning, gap analysis and a claims advocacy team. 1,3
What Are the Key Differences Between CFC and Gallagher Umbrella and Excess Liability Insurance?
One Policy Versus a Whole Program
A 10-person agency that needs a higher limit for a client contract gets one CFC policy over any mix of professional liability, general liability and cyber, even if those primaries are with another insurer. Gallagher's casualty practice builds umbrella and excess into a customized program, including alternative-risk structures, placed with outside insurers. Choose CFC if you're a small or micro business needing one extra layer over those three lines; choose Gallagher if you run a multi-line casualty program and want it designed around you. 3 1
How Much Help You Get
Gallagher meets with your finance, HR, operations and risk teams before renewal, runs a gap analysis and contract review, and has a dedicated group to push claims and loss control. CFC's umbrella page describes none of that; you contact CFC for a quote. Neither publishes limits. 3 1
What Should You Confirm in CFC and Gallagher Umbrella and Excess Liability Insurance Quotes?
- Ask Gallagher whether it's proposing a follow-form excess layer, a lead umbrella or an alternative-risk structure. 3
- Tell CFC which of your professional, general and cyber policies should sit under the excess. 1
- If you hold professional or cyber policies, ask Gallagher whether its review covers them too. 3
- Get the issuing insurer and the point where each layer starts paying from both. 3 2
CFC vs Gallagher Umbrella and Excess Liability Insurance Compared
CFC vs Gallagher: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Gallagher Umbrella/Excess Liability Insurance |
|---|---|---|
| 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. 1Company-reported. Umbrella cover product page. | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. 3Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement. |
| 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. 1Company-reported. Umbrella cover product page description of what the policy tops up. | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. 3Company-reported. Group-level casualty practice page. |
