CFC vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?

CFC sells one excess policy to small and micro businesses over professional, GL or cyber. HUB International is a broker whose casualty practice covers transportation, construction, healthcare and other sectors.

CFC fits small and micro businesses that need extra limits over professional, general or cyber liability, even if another insurer writes the primary. HUB International fits transportation, construction, healthcare and other heavy-casualty businesses needing catastrophe limits over GL, auto and employer's liability. ^1,³

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

Which Policies the Layer Sits Over

A consultancy worried about a large professional-liability or cyber claim fits CFC, which sells excess over those policies as well as general liability. A trucking or construction firm worried about a big auto or injury verdict fits HUB International. HUB places umbrellas over GL, auto and employer's liability for transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate. Choose CFC if your exposure is professional or cyber; choose HUB if it's vehicles, job sites or employees. ¹ ³

Services Versus a Direct Product

HUB is a broker with a "Global Reach, Local Touch" approach. It brings risk services, claims, litigation and analytics help across your casualty program. CFC writes a single excess product; you contact CFC, and it describes no added services. Neither publishes limit amounts. ³ ¹

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

Ask CFC which of your professional, general and cyber policies it will sit over, and whether your primary insurer matters. ¹
Ask HUB whether its risk-services and claims help extends to the umbrella layer itself. ³
Get limits and the issuing insurer from both quotes. ³ ²

CFC vs HUB International Umbrella and Excess Liability Compared

CFC vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	CFC Umbrella Cover	HUB International Umbrella and Excess Liability Insurance Brokerage
Who It’s For	CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ³Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.
Coverage Features	CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ¹Company-reported. Umbrella cover product page.	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
Role in This Line	CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ¹Company-reported. Umbrella cover product page description of what the policy tops up.	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ³Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.