CFC vs 
HUB International Umbrella and Excess Liability Insurance
HUB brokers catastrophe-level umbrella across named industries; CFC sells excess for small and micro firms over professional, GL or cyber.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 6,7,8
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 10,11
Key Differences in Umbrella and Excess Liability Insurance
Industry Casualty Practice Versus Small-Business Excess
HUB International brokers umbrella and excess through its casualty practice rather than underwriting it, and it names transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate. CFC sells an excess policy aimed at small and micro businesses across a wide range of professions, sitting over professional liability, general liability or cyber. Those industry lists and primary stacks do not match. 9 5
Catastrophic Settlements Versus a Three-Line Top-Up
HUB describes the layer as protection against potentially catastrophic liability settlements and judgments that exceed general liability, auto or employers’-liability limits. CFC describes additional insurance above professional, general or cyber primaries, including when those primaries are with another insurer. Auto and employers’ liability sit in HUB’s description; professional and cyber sit in CFC’s. 9 5
Services Around Placement
HUB describes a “Global Reach, Local Touch” approach built on carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across casualty programs that include this layer. CFC’s reviewed page does not describe those services; it asks you to contact CFC and does not publish limit amounts. HUB’s casualty page also does not publish limit figures or name an issuing insurer. 9 5
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask HUB which of general liability, auto and employers’ liability will sit under the umbrella for your industry. 9
- Ask CFC which of professional, general liability and cyber attach. 5
- Confirm whether HUB’s risk-services and claims work includes the excess layer itself. 9
- Get issuing insurers from both quotes. 9 4
Offering Details
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 |
|---|---|---|
| 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. 5Company-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. 9Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 9Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-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. 9Company-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. 5Company-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. 9Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 5Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 9Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Not described in the reviewed sources. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 9Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | Not described in the reviewed sources. |
Full Comparison
More CFC vs HUB International Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
