---
title: "CFC vs HUB International: Umbrella and Excess Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-hub-international"
provider-a: "cfc"
provider-b: "hub-international"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of CFC and HUB International for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about CFC versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs HUB International for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, CFC or HUB International?
- What does CFC or HUB International publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: CFC and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 sells small and micro businesses an excess layer over professional, general or cyber liability, while HUB International brokers umbrellas over GL, auto and employer's liability for transportation, construction and other heavy industries.

## CFC vs HUB International Umbrella and Excess Liability Insurance Summary

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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [1](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC")

## 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC")
- Ask HUB whether its risk-services and claims help extends to the umbrella layer itself. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get limits and the issuing insurer from both quotes. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

## CFC vs HUB International Umbrella and Excess Liability Compared

| 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. [1](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [1](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [1](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |

## About CFC and HUB International and Umbrella and Excess Liability

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## Related Pages for CFC vs HUB International

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [CFC Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/cfc/umbrella-excess)
- [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess)

## Sources for CFC vs HUB International

### Sources About CFC

1. [Excess umbrella insurance cover | CFC](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
2. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.

### Sources About HUB International

3. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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