---
title: "CFC vs HUB International: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-hub-international"
provider-a: "cfc"
provider-b: "hub-international"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-hub-international/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of CFC and HUB International for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about CFC versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs HUB International for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, CFC or HUB International?
- What does CFC or HUB International publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: CFC and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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's ProEx brokers place D&O for private, nonprofit and public companies with in-house attorneys on claims, while CFC's D&O package declines California-domiciled and US public companies.

## CFC vs HUB International D&O Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [6](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://www.cfc.com/en-us/claims/ "Claims")

## 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask CFC for the D&O limit, retention and extra insured-persons limit in dollars. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask CFC which insurer or Lloyd's syndicate issues a US D&O policy. [3](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs HUB International D&O Insurance Compared

| 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. [2](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. [5](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. [2](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. [2](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. [1](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. [5](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. [5](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..) |
| 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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](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. [5](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [6](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..) |
| 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. [4](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. [6](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## About CFC and HUB International and D&O Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for CFC vs HUB International D&O Insurance

- [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CFC D&O Insurance](https://spot.insure/insurance-providers/cfc/directors-officers)
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)

## Sources for CFC vs HUB International D&O Insurance

### Sources About CFC

1. [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.
2. [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.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [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.

### Sources About HUB International

5. [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.
6. [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.

Updated 2026-09-29. 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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