CFC vs 
Harper: How Do They Compare for Professional Liability (E&O) Insurance?
Harper places E&O as a broker, with quotes online or by phone and a same-day certificate when a client contract requires coverage. CFC sells a package policy built on E&O with optional add-ons, with limits up to $10 million.
Harper says it reviews exclusions line by line and can issue a certificate the same day for a contract deadline; CFC assigns E&O claims to a dedicated Claims Manager and publishes limits up to $10 million. 4,2
What Are the Key Differences Between CFC and Harper Professional Liability (E&O) Insurance?
Need a Certificate by a Contract Deadline?
Harper says it can place coverage and issue a certificate the same day when a client contract requires E&O. CFC offers digital trading through Connect and API partners, but its page does not state a same-day certificate timeline. If your contract deadline is immediate, ask CFC how fast it can bind and issue proof. 4 1
Check Exclusions Before or After a Claim
Harper says it reviews exclusions line by line before purchase because policies with the same limit can respond differently. CFC assigns professional-liability claims to a dedicated Claims Manager after the policy is active. These services address different stages; ask Harper for the review findings and CFC who will manage a claim. 4 3
Eligibility and Limit
CFC lists professions it ordinarily declines, including lawyers, insurance agents and financial advisors, and publishes a $10 million E&O maximum. Harper describes its audience broadly as consultants, agencies, technology firms and licensed professionals. Ask for actual limits and confirm eligibility. 2 4
What Should You Confirm in CFC and Harper Professional Liability (E&O) Insurance Quotes?
CFC vs Harper Professional Liability (E&O) Insurance Compared
CFC vs Harper: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CFC Professional Services | Harper Professional Liability Insurance |
|---|---|---|
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. 4Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability. |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. 1Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole. | You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. 4Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'. |
| Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. 2Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. 2Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting. | Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. 4,5Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope. |
| Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. 1,2Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure. | Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. 4Company-reported. Professional liability page introduction and 'Why Harper' section. Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. 5,6Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products. |
