CFC vs Harper 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.

For commercial property, Harper describes calling the insurance companies that write the coverage and presenting the customer with the resulting options to choose from, rather than issuing a commercial property policy itself. ¹⁰Company-reported. Homepage 'What we cover' introduction and coverage list, where commercial property is one of the enumerated lines.

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.

Harper's public pages do not name the insurer or insurers that would underwrite a commercial property policy; the homepage shows an unlabeled panel of insurer logos it says it works with, describing the rest as 'specialists who cover the work the big names turn down.' ¹⁰Not publicly disclosed. Checked the homepage insurer-logo panel on 2026-09-23; no carrier names accompany the logos in the page text.

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.

Harper's quote-intake form lists all 50 states and Washington, D.C. as selectable, indicating it takes commercial property quote requests nationwide, though eligibility for a specific building or business depends on underwriting review not described on the page. ¹⁰Company-reported. Homepage quote-intake state selector.

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.

Harper's homepage summarizes commercial property insurance as covering a business's buildings, equipment and inventory at what it costs to replace them. ¹⁰Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual valuation method and terms.

On its manufacturing industry page, Harper bundles property coverage with equipment breakdown, describing it as covering the building, the production line and machinery that cannot be down for a week. ¹¹Company-reported. Manufacturing industry page; this is a manufacturer-specific bundle of property and equipment breakdown, not necessarily how Harper packages commercial property for other industries.

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 reviewed pages do not publish commercial property limits, deductibles or valuation methods such as replacement cost versus actual cash value; those terms are not shown until a specific quote is issued. ^10,11Not publicly disclosed. Checked the homepage and manufacturing industry page on 2026-09-23.

Not described in the reviewed sources.

You can start a commercial property quote through Harper's online intake by selecting the 'My building, equipment, and inventory (property)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. ¹⁰Company-reported. Homepage quote-intake form.

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.