CFC vs HUB International: How Do They Compare for D&O Insurance?

HUB International brokers D&O across public, private, and nonprofit organizations and describes attorney-led claims support; CFC includes D&O in US management liability and separately offers Side A DIC excess cover.

HUB brokers D&O for private, nonprofit and public companies and backs clients with an in-house team of claims attorneys. CFC sells D&O only inside its US management-liability package and turns away California-domiciled and US publicly traded companies. ^5,^6,^1,²

What Are the Key Differences Between CFC and HUB International D&O Insurance?

Broker With Claims Attorneys vs Package With Firm Declines

HUB's ProEx practice says it places over $2 billion in premium and lists Side A-only excess D&O alongside primary D&O. CFC's product for public-company directors is Side A DIC, an excess policy that sits above an existing primary D&O program. Choose HUB if you're a public company or nonprofit, or want attorneys on your side at claim time; choose CFC if you're a private company outside California that wants D&O bundled with its other management-liability covers. ⁶ ¹ ²

Who Helps You When a Claim Arrives

HUB's attorneys review policy wording before a claim and work the claim through recovery, backed by analytics and litigation support. At CFC you notify by phone, email or online form, and a dedicated adjuster handles the claim to resolution. ⁶ ⁴

What Should You Confirm in CFC and HUB International D&O Insurance Quotes?

Ask HUB which insurer it proposes and the limit and retention; its pages publish neither. ⁵
Ask CFC for the D&O limit, retention and extra insured-persons limit in dollars. ²
Ask CFC which insurer or Lloyd's syndicate issues a US D&O policy. ³

CFC vs HUB International D&O Insurance Compared

CFC vs HUB International: D&O Insurance: documented features by provider

Criteria	CFC Directors & Officers Liability	HUB International Directors and Officers Insurance Brokerage
Who It’s For	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. ²Company-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. ⁵Company-reported. D&O product page target-market description; not an underwriting appetite statement.
Coverage Features	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. ²Company-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. ²Company-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. ¹Company-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. ⁵Company-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. ⁵Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.
Role in This Line	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. ^1,²Company-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. ^5,⁶Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.
Claims Support	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. ⁴Company-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. ⁶Company-reported. ProEx page claims and legal support section.