CFC vs 
Lockton General Liability Insurance
Lockton brokers general liability with a dedicated service team for enterprise clients; CFC bundles the line into its own property-and-casualty policy.
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 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. 8,9,10
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 13,14
Key Differences in 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. 11 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. 6Company-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. 12 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. 5
Related Coverages Bundled In
Lockton groups general liability brokerage with environmental impairment, medical malpractice and product recall it separately places for the same clients. 11 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. 6
What to Confirm in General Liability Insurance Quotes
- Ask Lockton which insurers it is placing your general liability with; neither its general liability nor casualty page names one. 11
- Ask CFC which insurer underwrites the Property & Casualty policy for your account. 5
- If your business is in a class CFC says it ordinarily declines, ask Lockton whether its market access can still place it. 6
- 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. 11 6
Offering Details
CFC vs Lockton General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| 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. 5,6Company-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. 11Company-reported. General & Product Liability 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. 5,6Not publicly disclosed. 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. | Neither page names the insurers Lockton places general liability coverage with. 11,12Not publicly disclosed. General & Product Liability and Casualty pages 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, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 6Company-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. 11Company-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. 6Company-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. 6Company-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. 11Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. 6Company-reported. 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's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. 12Company-reported. Casualty product page as read 2026-09-23. |
| Claims Support | CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 7Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Lockton Comparisons
Other General 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 USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- Property & casualty. CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
- Property & casualty | Product brochure | United States. CFC; At a glance; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
- Claims. CFC; Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes". Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- US > General & Product Liability. Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
