CFC vs 
Harper: How Do They Compare for General Liability Insurance?
For hard-to-place or previously declined businesses, Harper takes one application to multiple insurers and issues certificates the same day. CFC describes GL as part of one property and casualty policy with a casualty limit of up to $6 million.
Harper brokers a standalone general liability policy across multiple insurers with same-day certificates of insurance, while CFC sells general liability only bundled with commercial property in a single Property & Casualty policy. 4,1,2
What Are the Key Differences Between CFC and Harper General Liability Insurance?
A Standalone Product Versus a Bundled One
Harper places a standalone general liability policy by taking one application to multiple insurers, after a specialist reviews the business. 4 CFC's reviewed pages describe general liability only as part of a combined Property & Casualty policy alongside commercial property.
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. 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.
Certificate Turnaround Versus a Published Appetite List
Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. 4 CFC's brochure instead publishes a specific underwriting appetite, favoring manufacturers, distributors, e-commerce sellers and office premises while ordinarily declining amusement arcades, nightclubs, manual contractors and aviation risks. 2
Limits Disclosure
Harper says most leases and contracts ask for $1 million per claim as a starting limit and will recommend higher limits when needed, without publishing a maximum. 4 CFC instead publishes a specific casualty limit of up to $6,000,000 for its combined policy. 2
What Should You Confirm in CFC and Harper General Liability Insurance Quotes?
- Ask Harper which insurers it is shopping for your account and which one it selects. 4
- Ask CFC which insurer underwrites the Property & Casualty policy for your account. 1
- If your business is in a class CFC says it ordinarily declines, ask Harper whether its multi-insurer access can still place it. 2
- Ask Harper whether same-day certificate issuance applies before or after underwriting approval, since the page describes it only for a policy already in force. 4
CFC vs Harper General Liability Insurance Compared
CFC vs Harper: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Harper General Liability Insurance |
|---|---|---|
| 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. 2Company-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. 4Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. |
| 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. 2Company-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. 4Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. |
| 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. 2Company-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. 2Company-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. 4Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. |
| 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. 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. | 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. 4Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. |
