---
title: "CFC vs Lockton Commercial Property Insurance"
description: "Lockton says it can tailor a proprietary manuscript property policy for a client; CFC sells a fixed Property & Casualty product with published enhancements instead."
canonical: "https://spot.insure/compare/cfc-vs-lockton/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Lockton Commercial Property Insurance

Lockton says it can tailor a proprietary manuscript property policy for a client; CFC sells a fixed Property & Casualty product with published enhancements instead.

## Research Scope and Use

Use this comparison to evaluate CFC and Lockton for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton says it can tailor its own proprietary manuscript property policy to a client's needs and negotiate it with underwriters, while CFC sells one designed Property & Casualty product bundling property with general liability and a published set of coverage enhancements. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [8](https://global.lockton.com/us/en "Lockton United States") [9](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Commercial Property Insurance?

Commercial property insurance addresses physical business assets, including buildings, equipment, furniture and inventory, subject to the policy’s covered property, causes and terms. [12](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)")

## Key Differences in Commercial Property Insurance

### Custom Wording Versus a Fixed Product

Lockton says it can tailor its own proprietary manuscript property policy to a client's coverage needs and then negotiate that wording directly with underwriters. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") CFC's materials describe no comparable customization: it designs one Property & Casualty product itself, bundling property with general liability, and lets buyers add published enhancements such as legal expenses cover, a cyber and privacy extension, or a product recall extension rather than negotiating bespoke wording. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

### Claim Support on Each Side

Lockton's listed services include assistance with complex claim recovery, alongside detailed review of coverage terms, retention analysis, exposure and stratification-of-value analysis, and catastrophic modeling performed on the client's behalf. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") CFC instead names a specific internal contact: a Claims Team Leader for Property and Casualty on its own claims team, indicating the line has a dedicated handler inside CFC's organization rather than a broker advocating externally. [7](https://www.cfc.com/en-us/claims/ "Claims")

### Underwriting Appetite Versus an Undescribed Market

CFC publishes a defined appetite of businesses it favors, including manufacturers and distributors, professional services and e-commerce sellers, and ones it ordinarily declines, such as amusement arcades, nightclubs and bars, manual contractors and aviation risks. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") Lockton's property page does not publish comparable eligibility criteria; it describes its services and manuscript-policy capability without naming which industries or account sizes it typically places. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance")

## What to Confirm in Commercial Property Insurance Quotes

- Ask Lockton which underwriters it approached for your placement, since its page does not name carriers. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance")
- Ask CFC which insurer actually carries the risk, since its materials describe CFC as the policy designer rather than the risk-bearer. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")
- If Lockton proposes its proprietary manuscript wording, get a copy and compare it against CFC's standard-form enhancements before deciding. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance")
- If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## Offering Details

| Criteria | CFC Property & Casualty | Lockton Property Insurance Brokerage |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: Property product page as read 2026-09-23..) |
| Issuing Insurer | The reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Property & casualty product page and brochure 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 this product would need to come from the quote or declarations..) | The property page does not name the insurers Lockton places commercial property coverage with; it describes relationships across the global marketplace in general terms only. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Not publicly disclosed; scope: Property product page checked 2026-09-23..) |
| Who It’s For | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting..) | Not described in the reviewed sources. |
| 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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued..)<br><br>Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits" section; the limit actually issued depends on underwriting..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Lockton lists specific property services: detailed review of coverage terms, conditions and policy wordings; retention analysis for deductible selection; exposure and stratification-of-value analysis; catastrophic modeling; preparation of underwriting specifications; and assistance with complex claim recovery. [11](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: Property product page as read 2026-09-23. These are described capabilities, not a guarantee of outcome on any specific account..) |
| Claims Support | CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can help repair or replace your building, equipment and stock after a covered loss.
- [CFC vs Lockton Crime Insurance](https://spot.insure/compare/cfc-vs-lockton/crime)
- [CFC vs Lockton Cyber Insurance](https://spot.insure/compare/cfc-vs-lockton/cyber)
- [CFC vs Lockton D&O Insurance](https://spot.insure/compare/cfc-vs-lockton/directors-officers)
- [CFC vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-lockton/employment-practices)
- [CFC vs Lockton General Liability Insurance](https://spot.insure/compare/cfc-vs-lockton/general-liability)
- [CFC vs Lockton Product Liability Insurance](https://spot.insure/compare/cfc-vs-lockton/product-liability)
- [CFC vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-lockton/representations-warranties)
- [Alliance Risk vs CFC Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/commercial-property)
- [Alliance Risk vs Lockton Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/commercial-property)
- [Beazley vs CFC Commercial Property Insurance](https://spot.insure/compare/beazley-vs-cfc/commercial-property)
- [Beazley vs Lockton Commercial Property Insurance](https://spot.insure/compare/beazley-vs-lockton/commercial-property)
- [CFC vs Chubb Commercial Property Insurance](https://spot.insure/compare/cfc-vs-chubb/commercial-property)
- [CFC vs Coverdash Commercial Property Insurance](https://spot.insure/compare/cfc-vs-coverdash/commercial-property)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
6. [Property & casualty | Product brochure | United States](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf). CFC; At a glance; Property, contents and business interruption cover; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Dean Plumridge, Claims Team Leader, Property and Casualty. Accessed 2026-09-23.

### Lockton

8. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
9. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
10. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
11. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Protecting your assets intro; You benefit from our expertise: detailed review of coverage terms and conditions, retention analysis, exposure and stratification-of-value analyses, catastrophic modeling, tailoring Lockton's proprietary manuscript property policy, assistance with complex claim recovery. Accessed 2026-09-23.

### Commercial Property Insurance Guide

12. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. 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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