CFC vs 
Lockton: How Do They Compare for Product Liability Insurance?
Lockton is a broker designing custom programs for global manufacturers and consumer products companies; CFC sells product liability only inside its life science and nutraceuticals packages, with published limits up to $15 million claims-made.
CFC publishes products-liability maxima inside life-science and nutraceuticals packages; Lockton designs custom global programs for manufacturers and can place recall alongside liability. 1,2,3,5
What Are the Key Differences Between CFC and Lockton Product Liability Insurance?
Published Package Limits Versus Custom Global Programs
CFC’s brochures list $15 million claims-made and $7 million occurrence maxima and include government-enforced recall, with voluntary recall available as an extension. Lockton designs custom structures across insurers in the global market and lists product recall alongside product liability, which may fit manufacturers with cross-border needs. 2 3 5
Segments
CFC’s life science brochure describes appetite for importers, manufacturers, distributors or lessors of tangible products and devices, with ordinary declines such as breast implants; nutraceuticals appetite includes functional health products and cosmetics. Lockton says it serves global manufacturers, business-to-business service providers and consumer-products companies on this page, alongside REITs, contractors and healthcare companies. 2 3 5
What Should You Confirm in CFC and Lockton Product Liability Insurance Quotes?
- Ask CFC which package and claims-made versus occurrence trigger apply to the products-liability limit. 2
- Ask Lockton which markets it used for the liability layer and whether recall is quoted as a companion program. 5
- Ask Lockton for the proposed products-liability limit so you can set it next to CFC’s brochure maxima of $15 million claims-made and $7 million occurrence. 5 2 3
- Check whether your product sits on CFC’s ordinary-decline lists before submitting CFC’s separate life science or nutraceuticals application. 1
CFC vs Lockton Product Liability Insurance Compared
CFC vs Lockton: Product Liability Insurance: documented features by provider
| Criteria | CFC Life Science and Nutraceuticals | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Who It’s For | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 2Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 3Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. 5Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix. |
| Coverage Features | Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. 2,3Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued. | Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. 5Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 1Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure. | Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. 5Company-reported. General & Product Liability page as read 2026-09-23. |
