CFC vs 
Harper: How Do They Compare for Product Liability Insurance?
Harper is a broker that can write the policy to match retailer or marketplace vendor contracts; CFC sells product liability only inside life science and nutraceuticals packages, each with its own application form.
CFC publishes products-liability maxima of $15 million claims-made and $7 million occurrence inside life-science and nutraceuticals packages; Harper matches limits and additional-insured terms to retailer contracts. 2,3,5
What Are the Key Differences Between CFC and Harper Product Liability Insurance?
Published Package Terms Versus Vendor Requirements
CFC includes government-enforced product recall with products/completed operations and offers voluntary recall as an extension. Harper says it can match product-liability wording, limits and additional-insured status to retailer or marketplace agreements, useful when a vendor contract sets specific requirements. 2 5
Product Classes and Eligibility
CFC’s life science appetite covers importers, manufacturers, distributors or lessors of tangible products and devices, with ordinary declines such as hip and knee kits; nutraceuticals appetite includes energy drinks, weight-loss products and cosmetics. Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a claim even when they did not manufacture the item. 2 3 5
Intake
CFC uses separate applications for life science and nutraceuticals. You request a Harper quote through an online form or by phone; Harper says one application is then shopped across insurers that write the applicant’s product class. 1 5
What Should You Confirm in CFC and Harper Product Liability Insurance Quotes?
- Bring any retailer additional-insured schedule to Harper and ask how those limits sit against CFC’s brochure maxima if you also quote CFC. 5 2
- Ask CFC whether voluntary recall is added as an extension and which package applies. 3
- Ask Harper which insurers were shopped for your product class. 5
- Confirm product-class appetite: CFC’s ordinary-decline lists versus Harper’s shopping across writers of that class. 2 5
CFC vs Harper Product Liability Insurance Compared
CFC vs Harper: Product Liability Insurance: documented features by provider
| Criteria | CFC Life Science and Nutraceuticals | Harper Product Liability Insurance |
|---|---|---|
| Who It’s For | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 2Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 3Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. 5Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure. |
| How to Apply | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. 1Company-reported. Life science product page's downloads list. | You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. 5Company-reported. Product liability page quote form and 'Why Harper' process steps. |
| Coverage Features | Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. 2,3Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued. | Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. 5Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope. |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 1Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure. | Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. 5Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy. |
