CFC vs HUB International: How Do They Compare for Commercial Property Insurance?

HUB International brokers programs that can include property, interruption and equipment breakdown; CFC combines property with general liability and lists up to $10 million in property limits.

HUB can structure layered, parametric, captive or reinsurance programs for complex property risks; CFC offers a simpler property-and-liability bundle with a published $10 million limit. ^4,²

What Are the Key Differences Between CFC and HUB International Commercial Property Insurance?

If a standard single-insurer property policy doesn't fit, HUB says it can structure layers, parametric payouts tied to a defined event, or captive and reinsurance solutions; it also lists contingent business interruption and equipment breakdown. CFC instead sells a fixed package covering property and general liability, with a published limit up to $10 million and optional cyber/privacy and product-recall extensions. ⁴ ² ¹

Coverage Components

HUB lists coverage components including building structure protection, business personal property, business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. ⁴ CFC's brochure covers similar ground with a narrower base — property, contents and business interruption — but layers in optional enhancements HUB's page does not mention, such as a cyber and privacy extension and a product recall extension. ²

Who Each One Targets

HUB says commercial property availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. ⁴ CFC instead publishes a defined appetite of businesses it favors, such as manufacturers, distributors and e-commerce sellers, and ones it ordinarily declines, such as amusement arcades, nightclubs and bars, manual contractors and aviation risks. ²

What Should You Confirm in CFC and HUB International Commercial Property Insurance Quotes?

Ask HUB which carrier or carriers it is proposing for your placement and why that program structure was chosen. ⁴
Ask CFC which insurer actually carries the risk, since its materials describe CFC as the policy designer rather than the risk-bearer. ¹
If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. ²
Ask HUB whether a layered or parametric structure would change your total cost of risk compared with a traditional single-carrier placement. ⁴

CFC vs HUB International Commercial Property Insurance Compared

CFC vs HUB International: Commercial Property Insurance: documented features by provider

Criteria	CFC Property & Casualty	HUB International Commercial Property Insurance Brokerage
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 for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting.	HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. ⁴Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region.
Coverage Features	CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ²Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ²Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.	HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. ⁴Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.
Role in This Line	CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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.	HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. ⁴Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

CFC Property & Casualty

HUB International Commercial Property Insurance Brokerage

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 for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. ⁴Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region.

Coverage Features

CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ²Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued.

Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ²Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.

HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. ⁴Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

Role in This Line

CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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.

HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. ⁴Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer.