CFC vs 
Lockton: How Do They Compare for Commercial Property Insurance?
CFC bundles property with general liability and lists its property limit; Lockton brokers directly with underwriters and can tailor manuscript wording.
Lockton says it can negotiate custom property wording with insurers; CFC sells property only in a general-liability bundle with specified add-ons. 4,2
What Are the Key Differences Between CFC and Lockton Commercial Property Insurance?
Lockton says it can tailor policy wording to a client’s coverage needs and negotiate it with insurers. CFC offers a set property-and-liability package with optional legal-expense, cyber/privacy and product-recall extensions. Choose Lockton if you need wording negotiated around a specific property exposure; choose CFC if you want property and general liability together with one of its listed add-ons. 4 1 2
Custom Terms or Published Add-Ons
Lockton says it can tailor custom property wording and negotiate it with underwriters. CFC instead sells one combined product and lists add-ons for legal expenses, cyber/privacy and product recall. If your building or operations need a specific term, ask Lockton what wording it can obtain; if you need one of CFC’s named extensions, ask what it costs and which exclusions remain. 4 2
Claims and Risk Analysis
Lockton lists complex-claim assistance, coverage review, deductible analysis, exposure analysis and catastrophe modeling. CFC names a Claims Team Leader for property and casualty. Ask Lockton what analysis it will perform before binding and ask CFC how its claims lead handles a property loss. 4 3
Check CFC’s Appetite
CFC favors manufacturers, distributors, professional services, e-commerce and retail, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors and aviation risks. Lockton’s cited page does not publish a comparable eligibility list. If CFC lists your business among its declines, ask Lockton which markets it could approach and whether your specific property risk fits. 2 4
What Should You Confirm in CFC and Lockton Commercial Property Insurance Quotes?
- Ask Lockton for the proposed policy wording, insurer, limits and deductibles. 4
- Ask CFC who issues the policy and what each add-on costs. 1 2
- Confirm CFC appetite before applying if your business is a nightclub, manual contractor, aviation risk or another listed decline. 2
- Compare the treatment of your specific property exposure across the actual policy forms. 4 2
CFC vs Lockton Commercial Property Insurance Compared
CFC vs Lockton: Commercial Property Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Lockton Property Insurance Brokerage |
|---|---|---|
| Coverage Features | CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. 2Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. 2Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting. | Lockton says it can tailor its own proprietary manuscript property policy to a client's coverage needs, rather than only placing standard-form property policies. 4Company-reported. Property product page as read 2026-09-23. The manuscript form's actual wording and how it compares to standard forms was not published on this page. |
| Role in This Line | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. | Lockton's property team negotiates commercial property placements directly with underwriters rather than through a centralized broking center, and says the same team that meets a client also negotiates with the market on their behalf. 4Company-reported. Property product page as read 2026-09-23. |
