CFC vs 
Harper: How Do They Compare for Umbrella and Excess Liability Insurance?
Harper places umbrella above general liability, auto and workers' compensation suits, with a specialist reviewing the underlying policies first. CFC's excess sits over professional liability, GL or cyber, even when another insurer holds the primary.
CFC is the pick if you need more professional or cyber limits: its excess sits over those lines even when your primary policy is with another insurer. Harper's umbrella covers the classic stack of general liability, auto and employee injury lawsuits. 1,3
What Are the Key Differences Between CFC and Harper Umbrella and Excess Liability Insurance?
Which Policies Get Higher Limits
CFC's excess can sit over professional liability, general liability, cyber, or any mix of the three. Harper's umbrella sits over general liability and auto, and over workers' comp when an injured employee also sues you. So the two cover different stacks: CFC reaches professional and cyber claims, Harper reaches vehicle and employee-injury claims. Choose CFC if you're a small or micro professional firm that needs more E&O or cyber limit; choose Harper if a lease or contract requires higher general liability and auto limits. 1 3
Keeping Your Current Primary Policies
CFC will write its excess whether your primary sits with CFC or another insurer, so you don't have to move existing policies. Harper's umbrella follows the terms of the policies beneath it, and Harper maps which of your policies sit underneath before quoting. 1 3
How You Get a Quote
Harper takes an online form or a phone call, and a specialist reviews your underlying policies. CFC asks you to contact it directly. Neither publishes limit amounts. 3 1
What Should You Confirm in CFC and Harper Umbrella and Excess Liability Insurance Quotes?
- Ask Harper which of your policies are scheduled underneath, including how it responds after a workers' comp claim. 3
- Tell CFC which of professional, general liability and cyber you need extended, and which insurer holds each primary. 1
- Get the limit amount in writing from both. 3 1
- Ask both which insurer issues the policy. 3 2
CFC vs Harper Umbrella and Excess Liability Insurance Compared
CFC vs Harper: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Harper Umbrella Insurance |
|---|---|---|
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 1Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. 3Company-reported. Umbrella FAQ 'Do I need an umbrella?'. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-reported. Umbrella cover product page call to action. | You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. 3Company-reported. Umbrella page quote form and 'Why Harper' process steps. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 1Company-reported. Umbrella cover product page. | Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. 3Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. 3Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome. |
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 1Company-reported. Umbrella cover product page description of what the policy tops up. | Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. 3Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section. |
