CFC vs HUB International: How Do They Compare for Product Liability Insurance?

HUB International brokers product liability for industries from manufacturing to healthcare using regional, national and specialty carriers; CFC sells it only inside life science and nutraceuticals packages, with limits up to $15 million claims-made.

CFC publishes products-liability package maxima of $15 million claims-made and $7 million occurrence; HUB brokers broader casualty programs and assesses limits and retentions with clients. ^2,^3,⁵

What Are the Key Differences Between CFC and HUB International Product Liability Insurance?

Package Limits Versus Broader Casualty Planning

CFC’s life-science and nutraceuticals packages include product liability and government-enforced recall, with voluntary recall available as an extension. HUB can pair product liability with recall and crisis-response coverage and assesses program structure, retentions and limits—useful when you want to coordinate several casualty exposures. ² ⁵

Industry Focus

CFC’s life science brochure lists devices and software as a medical device among products it considers, and nutraceuticals appetite includes energy drinks and cosmetics. HUB highlights transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ² ³ ⁵

Limits and Structure

CFC publishes brochure maxima of $15 million claims-made and $7 million occurrence for products liability. HUB does not publish product-liability limits on the reviewed page; its casualty team says it runs risk-financing assessments to set retention levels, program structures and coverage limits. ² ³ ⁵

What Should You Confirm in CFC and HUB International Product Liability Insurance Quotes?

Ask CFC which package and trigger apply, and whether voluntary recall is included. ²
Ask HUB which carrier would issue the product-liability layer and whether recall is a separate placement. ⁵
Compare HUB’s proposed structure and retention against CFC’s brochure maxima if you need a high limit. ⁵ ³
Check CFC’s ordinary-decline product lists before assuming a life-science or nutraceuticals application will proceed. ²

CFC vs HUB International Product Liability Insurance Compared

CFC vs HUB International: Product Liability Insurance: documented features by provider

Criteria	CFC Life Science and Nutraceuticals	HUB International General & Product Liability Insurance Brokerage
Who It’s For	For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. ²Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. ³Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ⁵Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.
Coverage Features	Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. ^2,³Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued.	HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ⁵Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ⁵Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.
Role in This Line	CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ¹Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure.	HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ⁵Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

Criteria

CFC Life Science and Nutraceuticals

HUB International General & Product Liability Insurance Brokerage

Who It’s For

For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. ²Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. ³Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ⁵Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

Coverage Features

Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. ^2,³Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued.

HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ⁵Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim.

HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ⁵Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

Role in This Line

CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ¹Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure.

HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ⁵Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.