CFC vs HUB International Product Liability Insurance

CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ⁵Company-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. ¹²Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. ^5,6,7Not publicly disclosed. Life science page and both brochures as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for either package would need to come from the quote or declarations.

HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. ¹²Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote.

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. ⁶Company-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. ⁷Company-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. ¹²Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

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. ^6,7Company-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. ¹²Company-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. ¹²Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. ^6,7Company-reported. "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting.

Published product liability policy limits or retentions were not found on the reviewed page. ¹²Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote.

Not described in the reviewed sources.

HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. ¹²Company-reported. Casualty product page strategic-approach description.

CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. ⁵Company-reported. Life science product page's downloads list.

Not described in the reviewed sources.

CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. ⁸Company-reported. CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data.

Not described in the reviewed sources.