CFC vs HUB International Management Liability Insurance

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. ^5,6Company-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. ¹¹Company-reported. ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line.

CFC's regulatory page discloses that CFC Underwriting Limited is FCA-authorized and that CFC's Lloyd's Syndicate 1988 is managed by Asta Managing Agency Ltd, but the reviewed management-liability pages do not name the specific carrier or syndicate that would issue a given US package. ^4,6Not publicly disclosed. Regulatory information page and management-liability brochure as read on 2026-09-23; the insurer identified on an actual quote or declarations page controls.

HUB says ProEx places more than $2 billion in premium, which it says improves carrier negotiations, but does not name the insurers that issue management liability policies through the practice. ¹¹Company-reported. ProEx page market-leverage statement; the carrier for a specific placement depends on the quote.

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for this package, and lists industries it favors, including manufacturing and distribution, technology, professional services, architects and engineers, and non-profits. ⁶Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive.

Not described in the reviewed sources.

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. ^5,6Company-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. ¹¹Company-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. ¹⁰Company-reported. Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy.

The reviewed product page and brochure do not publish per-occurrence or aggregate limits, retentions or premium ranges for the package. The reviewed pages checked did not disclose these figures. ⁶Not publicly disclosed. Product page and brochure as read on 2026-09-23; limits and deductibles appear on the quote and declarations.

Published management liability policy limits or retentions were not found on the reviewed pages. ^11,10Not publicly disclosed. Checked the ProEx page and technology-industry page on 2026-09-23; limits are set on the quote and declarations.

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. ^6,7Company-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. ¹¹Company-reported. ProEx page service-model and analytics sections.

The reviewed management-liability page and brochure do not describe an online quote or self-service application; they point prospective buyers to CFC's named US Management Liability Team. ⁵Not found in reviewed sources. Product page and brochure as read on 2026-09-23; a broker may have access to a separate application form not reviewed here.

Not described in the reviewed sources.

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. ⁷Company-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. ¹¹Company-reported. ProEx page claims and legal support section.