CFC vs Harper General Liability Insurance

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.

Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. ¹⁰Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision.

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.

Not described in the reviewed sources.

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.

Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. ¹⁰Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant.

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.

Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. ¹⁰Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.

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.

Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. ¹⁰Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting.

Not described in the reviewed sources.

Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. ¹⁰Company-reported. Product-page service claim; not independently timed or confirmed for a particular request.

Not described in the reviewed sources.

You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. ¹⁰Company-reported. Quote form and FAQ observed on the product page.

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.

The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. ¹⁰Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically.