CFC vs 
Hiscox: How Do They Compare for General Liability Insurance?
In 49 states and the District of Columbia, Hiscox sells GL online, though not in Alaska. CFC describes GL as part of one property and casualty policy with a casualty limit of up to $6 million.
Hiscox sells general liability online to small businesses in most states; CFC includes it only inside a combined property-and-casualty policy. 6,5,1,2
What Are the Key Differences Between CFC and Hiscox General Liability Insurance?
Role on This Line
As reviewed, 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 Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue.
Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 4Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations.
Coverage Detail
CFC's general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 1 Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 4
Claims Contacts
CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 1 Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 4
What Should You Confirm in CFC and Hiscox General Liability Insurance Quotes?
CFC vs Hiscox General Liability Insurance Compared
CFC vs Hiscox: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Hiscox General Liability Insurance |
|---|---|---|
| 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. | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 4Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting. |
| 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. | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 4Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. |
| 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. | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 5,4Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. |
| Claims Support | CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 3Company-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. | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 4,7Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time. |
