---
title: "CFC vs Lockton Product Liability Insurance"
description: "CFC underwrites life-science and nutraceuticals packages with published products-liability maxima; Lockton brokers custom product-liability and recall structures globally."
canonical: "https://spot.insure/compare/cfc-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-lockton/product-liability)

# CFC vs Lockton Product Liability Insurance

CFC underwrites life-science and nutraceuticals packages with published products-liability maxima; Lockton brokers custom product-liability and recall structures globally.

## Research Scope and Use

Use this comparison to evaluate CFC and Lockton for Product Liability 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

CFC includes products/completed operations inside two industry packages and lists $15 million claims-made maxima in its brochures. Lockton brokers product liability, designing custom structures with insurers, and lists product recall on the same General & Product Liability page. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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. [9](https://global.lockton.com/us/en "Lockton United States") [10](https://global.lockton.com/us/en/technology "Technology") [11](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

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

## What Is Product Liability Insurance?

Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [16](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [17](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Product Liability Insurance

### Named Packages Versus Custom Broker Structures

CFC sells product liability only inside its life science and nutraceuticals package policies. Lockton lists product liability on its General & Product Liability page and brokers it, designing custom structures with insurers across the global market rather than underwriting it. Neither Lockton’s pages nor CFC’s brochures name the insurers that would issue a given policy. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States")

### Recall Inside the Package Versus a Listed Companion Line

CFC’s life science and nutraceuticals packages cover government-enforced product recall costs, with voluntary recall available as an extension, alongside the products-liability grant. Lockton lists product recall coverage alongside product liability, so a manufacturer client can have Lockton place both the liability program and a related recall program. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What to Confirm in Product Liability Insurance Quotes

- Ask CFC which package and claims-made versus occurrence trigger apply to the products-liability limit. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States")
- Ask Lockton which markets it used for the liability layer and whether recall is quoted as a companion program. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- 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. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States")
- Check whether your product sits on CFC’s ordinary-decline lists before submitting CFC’s separate life science or nutraceuticals application. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science")

## Offering Details

| Criteria | CFC Life Science and Nutraceuticals | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") (Evidence: Company-reported; scope: 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. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: General & Product Liability page as read 2026-09-23..) |
| Issuing Insurer | The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Life science page and both brochures 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 either package would need to come from the quote or declarations..) | Neither page names the insurers Lockton places product liability coverage with. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [13](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: General & Product Liability and Casualty pages checked 2026-09-23..) |
| 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. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") (Evidence: Company-reported; scope: Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..)<br><br>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. [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: 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. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: 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. [12](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy..) |
| Limits and Retentions | CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. [6](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [7](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") (Evidence: Company-reported; scope: "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting..) | Not described in the reviewed sources. |
| How to Apply | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. [5](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") (Evidence: Company-reported; scope: Life science product page's downloads list..) | Not described in the reviewed sources. |
| Claims Support | CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. [8](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data..) | 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 Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [CFC vs Lockton Commercial Property Insurance](https://spot.insure/compare/cfc-vs-lockton/commercial-property)
- [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 Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-lockton/representations-warranties)
- [Alliance Risk vs CFC Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/product-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Amelia Risk vs CFC Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Beazley vs CFC Product Liability Insurance](https://spot.insure/compare/beazley-vs-cfc/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)

## 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. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences and Nutraceuticals tiles; "What does CFC's life science policy cover?" list; downloads (brochures, application forms). Accessed 2026-09-23.
6. [Life science | Product brochure | United States](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf). CFC; Commercial general liability; Product recall; At a glance: Products we consider / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
7. [Nutraceuticals | Product brochure | United States](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf). CFC; Products and completed operations; Product recall; At a glance: What we like / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
8. [Claims](https://www.cfc.com/en-us/claims/). CFC; Emerging risk: "CFC has pioneered coverage for many emerging risk areas - like intellectual property and nutraceuticals - and is one of the only teams in the market with experience handling claims from a variety of new sectors". Accessed 2026-09-23.

### Lockton

9. [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.
10. [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.
11. [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.
12. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list including Product liability and Product recall. Accessed 2026-09-23.
13. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.

### Product Liability Insurance Guide

14. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
15. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/facts-statistics-product-liability). Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
16. [Product liability, recall and contamination insurance](https://www.iii.org/article/product-liability-recall-and-contamination-insurance). Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
17. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. 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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