CFC vs 
HUB International: How Do They Compare for Management Liability Insurance?
HUB International brokers management liability through ProEx, backed by attorneys who review policy wording; CFC sells a US package that bundles D&O, EPL, fiduciary and crime.
Private companies outside California seeking executive cyber, K&R and reputation cover can consider CFC, which declines U.S. public companies; businesses needing Side A excess D&O or attorney support can ask HUB about ProEx. 1,2,5
What Are the Key Differences Between CFC and HUB International Management Liability Insurance?
Whether You Qualify
CFC writes its own US Management Liability package and lists California-domiciled businesses and US public companies among its declines. HUB's ProEx practice brokers executive-liability cover and publishes no domicile or public-company screen. If you're public or based in California, CFC is out and a broker like HUB is the realistic route. Choose CFC if you're a private company elsewhere that wants cyber and K&R extras in one package; choose HUB if CFC won't take you or you need Side A excess D&O. 2 5 6
Package Extras vs Specialty Lines
CFC's package includes D&O, EPL, fiduciary, crime, executive cyber, K&R and reputation protection, with Side A DIC sold separately. HUB places D&O, Side A-only excess D&O, EPL, fiduciary, employed-lawyers E&O, crime, K&R and workplace violence. CFC bundles cyber and reputation cover you'd otherwise buy elsewhere; HUB reaches lines, like workplace violence, that CFC's package doesn't list. 1 2 5
Insurer's Adjuster vs Broker's Lawyers
CFC takes US claims by phone, email or online form and assigns a dedicated adjuster from notice through resolution. HUB's Claims & Legal Risks Group of attorneys reviews wording and pursues recoveries on your side. Neither publishes limits. 4 5
What Should You Confirm in CFC and HUB International Management Liability Insurance Quotes?
- Check your California domicile and public-company status against CFC's declines before applying. 2
- Ask HUB which insurers it would approach and what limit applies to each part. 5
- Check whether Side A, employed-lawyer, executive cyber and reputation cover appear on the actual quotes. 5 2
- Ask CFC which group company issues the US policy. 3
CFC vs HUB International Management Liability Insurance Compared
CFC vs HUB International: Management Liability Insurance: documented features by provider
| Criteria | CFC Management Liability | HUB ProEx Management Liability Insurance Brokerage |
|---|---|---|
| Coverage Features | CFC describes the package as covering directors and officers liability, employment practices liability, fiduciary liability, crime, executive cyber, kidnap and ransom, and executive reputation protection, plus court attendance costs. 1,2Company-reported. Brochure's opening description and 'What else is in the policy?' list; the actual policy wording and any endorsements control what a given buyer receives. | HUB's ProEx Executive Liability coverages include directors and officers liability (D&O), side-A-only excess D&O, employment practices liability, fiduciary liability, employed lawyers errors and omissions, crime and fidelity coverage, kidnap, ransom and extortion insurance, and workplace violence coverage. 5Company-reported. ProEx page coverage list; the page describes the practice's catalogue, not the insuring agreements or exclusions of any one issued policy. HUB's technology-industry page separately groups crime, D&O, employment practices liability, fiduciary liability and transactional or warranty insurance under "Management Liability" as coverages it arranges for technology clients, largely overlapping with the ProEx Executive Liability list. 6Company-reported. Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy. |
| Role in This Line | CFC sells directors and officers, employment practices, fiduciary and crime coverage together in one US Management Liability package rather than as separate standalone products. CFC separately sells Side A DIC, an excess product for directors and officers only. 1,2Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy. | HUB brokers management liability coverage through its ProEx Professional & Executive Risk practice, packaging lines such as D&O, employment practices liability and fiduciary liability under an Executive Liability umbrella rather than underwriting any of them itself. 5Company-reported. ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line. |
| Risk Services | CFC's brochure says the executive reputation protection component includes access to its reputation-management specialists, and its claims page describes a claims team organized by industry and specialization rather than by insurance line. 2,4Company-reported. Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality. | HUB says ProEx provides an inclusive service model with analytics, litigation support and risk management across client sizes, a "boundaryless" account team of local, national and international specialists, and D&O modeling that incorporates ESG risk analysis alongside white papers, webinars and events on emerging exposures. 5Company-reported. ProEx page service-model and analytics sections. |
| 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. Margaret Murphy is named as Global Head of Claims. 4Company-reported. Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing. | HUB describes a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages, handling policy-wording review and claim recovery for management liability claims. 5Company-reported. ProEx page claims and legal support section. |
