CFC vs HUB International D&O Insurance

CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^5,6Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.

HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^11,12Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US D&O policy. ^4,6Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23.

The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^11,12Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ⁶Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.

CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ⁶Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms.

CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ⁶Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages.

CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ⁵Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.

HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim.

HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

The reviewed brochure does not publish a specific dollar limit, retention, or the size of the additional insured-persons limit for D&O. Those figures appear only on the quote and declarations. ⁶Not publicly disclosed. Brochure as read on 2026-09-23.

Published D&O policy limits or retentions were not found on the reviewed pages. ^11,12Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ¹²Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

Not described in the reviewed sources.

HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ¹¹Company-reported. D&O product page call to action.

CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. ⁷Company-reported. Claims page as read on 2026-09-23; not specific to D&O claim outcomes or timing.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ¹²Company-reported. ProEx page claims and legal support section.