---
title: "CFC vs HUB International D&O Insurance"
description: "CFC’s D&O package declines California-domiciled and US public risks; HUB’s ProEx practice brokers private, nonprofit and public D&O with attorney-staffed claims support."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs HUB International D&O Insurance

CFC’s D&O package declines California-domiciled and US public risks; HUB’s ProEx practice brokers private, nonprofit and public D&O with attorney-staffed claims support.

## Research Scope and Use

Use this comparison to evaluate CFC and HUB International for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC includes D&O inside its US Management Liability package and lists California-domiciled and US publicly traded companies among declined risks. HUB International brokers D&O through ProEx for private, nonprofit and public clients, describes personal-asset and defense coverage it arranges, and staffs a Claims & Legal Risks Group of attorneys for ProEx covers including D&O. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [8](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [13](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Package Issuer Versus ProEx Broker

CFC includes directors and officers liability inside its US Management Liability package. HUB brokers D&O for private, nonprofit and public-company clients as part of ProEx rather than underwriting it, and says ProEx places over $2 billion in premium with insurers it calls top-rated, without naming them. CFC’s regulatory page names CFC Underwriting Limited and Lloyd’s Syndicate 1988 without naming the US D&O issuer. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Public and Nonprofit Segments

HUB markets D&O brokerage to private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders, and says claims it sees can come from regulators, donors, clients, suppliers, competitors, employees, shareholders and creditors. CFC’s brochure lists US publicly traded companies and California-domiciled business among declined package risks, while separately offering Side A DIC for private and publicly traded organizations. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

### Two Claims Models

HUB describes a Claims & Legal Risks Group of attorneys specializing in ProEx covers including D&O, from pre-claim wording review through claim recovery, plus analytics, litigation support and risk-management. CFC provides US claim notification by phone, email and online form with a dedicated adjuster from notification through resolution. Neither set publishes D&O retentions; CFC lists an additional insured-persons limit without a dollar figure. HUB directs prospects to connect with a broker. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.cfc.com/en-us/claims/ "Claims") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## What to Confirm in D&O Insurance Quotes

- Ask HUB which ProEx carrier it would use for public versus private or nonprofit D&O. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask CFC whether California domicile or US-public status blocks the package. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask CFC for the additional insured-persons amount and Side A DIC. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")
- Ask how HUB’s attorney claims group would interact with CFC’s dedicated adjuster if both were involved. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [7](https://www.cfc.com/en-us/claims/ "Claims")

## Offering Details

| Criteria | CFC Directors & Officers Liability | HUB International Directors and Officers Insurance Brokerage |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer..) |
| 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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote..) |
| 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms..)<br><br>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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages..)<br><br>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. [5](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant..) |
| Limits and Retentions | 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. [6](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Not publicly disclosed; scope: Brochure as read on 2026-09-23..) | Published D&O policy limits or retentions were not found on the reviewed pages. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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. [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single D&O engagement..) |
| How to Apply | Not described in the reviewed sources. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. [11](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page call to action..) |
| 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. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: 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. [12](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## Full Comparison

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [CFC vs HUB International Commercial Property Insurance](https://spot.insure/compare/cfc-vs-hub-international/commercial-property)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)
- [CFC vs HUB International Cyber Insurance](https://spot.insure/compare/cfc-vs-hub-international/cyber)
- [CFC vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/employment-practices)
- [CFC vs HUB International General Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/general-liability)
- [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom)
- [CFC vs HUB International Management Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/management-liability)
- [CFC vs HUB International Product Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/product-liability)
- [CFC vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-hub-international/professional-errors-omissions)
- [CFC vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-hub-international/representations-warranties)
- [CFC vs HUB International Tech E&O Insurance](https://spot.insure/compare/cfc-vs-hub-international/technology-errors-omissions)
- [CFC vs HUB International Telehealth Insurance](https://spot.insure/compare/cfc-vs-hub-international/virtual-care-telehealth)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [Alliance Risk vs CFC D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/directors-officers)
- [Alliance Risk vs HUB International D&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/directors-officers)
- [Amelia Risk vs CFC D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/directors-officers)
- [Amelia Risk vs HUB International D&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/directors-officers)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs HUB International D&O Insurance](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
6. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### HUB International

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
12. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### D&O Insurance Guide

13. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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