CFC vs 
Lockton: How Do They Compare for General Liability Insurance?
Lockton brokers GL with custom program structures and one dedicated service team for manufacturers, contractors, healthcare companies and REITs. CFC combines GL with property in one policy and lists a casualty limit up to $6 million.
Lockton brokers general liability for enterprise clients like manufacturers and REITs with a dedicated service team, while CFC underwrites general liability itself, bundled with commercial property and subject to a published $6M casualty limit. 4,2
What Are the Key Differences Between CFC and Lockton General Liability Insurance?
Enterprise Broker Versus a Small-Business Bundled Policy
Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4 CFC's appetite runs smaller and different: it favors manufacturers and distributors too, but also non-manual professional services, e-commerce sellers and office premises, while ordinarily declining manual contractors and aviation risks.
CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.
Dedicated Service Team Versus a Bundled Policy Design
Lockton says clients keep the same dedicated service team throughout the placement process, which it says helps it anticipate needs and create accountability. 5 CFC does not describe an account-team structure; general liability there is one component that CFC itself designs into a single Property & Casualty policy alongside commercial property. 1
Related Coverages Bundled In
Lockton groups general liability brokerage with environmental impairment, medical malpractice and product recall it separately places for the same clients. 4 CFC's own bundling runs through the general liability grant itself, which already covers products and completed operations and pollution within the same policy as commercial property. 2
What Should You Confirm in CFC and Lockton General Liability Insurance Quotes?
- Ask Lockton which insurers it is placing your general liability with; neither its general liability nor casualty page names one. 4
- Ask CFC which insurer underwrites the Property & Casualty policy for your account. 1
- If your business is in a class CFC says it ordinarily declines, ask Lockton whether its market access can still place it. 2
- Ask Lockton for specific limit and retention figures, since neither of its reviewed pages publishes amounts, unlike CFC's published $6,000,000 casualty limit. 4 2
CFC vs Lockton General Liability Insurance Compared
CFC vs Lockton: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| 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, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. |
| Coverage Features | The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 2Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. 2Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. | Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Role in This Line | CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability 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 brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 4Company-reported. General & Product Liability page as read 2026-09-23. |
