---
title: "CFC vs Lockton: Product Liability Insurance"
description: "CFC publishes products-liability maxima inside life-science and nutraceuticals packages; Lockton designs custom global programs for manufacturers and can place recall alongside liability."
canonical: "https://spot.insure/compare/cfc-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-lockton"
provider-a: "cfc"
provider-b: "lockton"
coverage-line: "product-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC and Lockton for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about CFC versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Lockton for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, CFC or Lockton?
- What does CFC or Lockton publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Liability Insurance. Providers: CFC and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton) — all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 gives buyers published package limits; Lockton brokers custom product-liability structures across global markets.

## CFC vs Lockton Product Liability Insurance Summary

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](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") [2](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [3](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [5](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [3](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [5](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. [2](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [3](https://www.cfc.com/media/t2rb3tq3/nutraceuticals_product-brochure_us_1125.pdf "Nutraceuticals | Product brochure | United States") [5](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](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. [5](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. [5](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [2](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [3](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. [1](https://www.cfc.com/en-us/products/industry/life-science/ "Life science")

## CFC vs Lockton Product Liability Insurance Compared

| 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. [2](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. [3](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. [5](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. [2](https://www.cfc.com/media/wkmj1iye/life-science_product-brochure_us_1125.pdf "Life science | Product brochure | United States") [3](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. [5](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..) |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. [1](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. [5](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..) |

## About CFC and Lockton and Product Liability Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability)

## Related Pages for CFC vs Lockton Product Liability Insurance

- [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 can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [CFC Product Liability Insurance](https://spot.insure/insurance-providers/cfc/product-liability)
- [Lockton Product Liability Insurance](https://spot.insure/insurance-providers/lockton/product-liability)

## Sources for CFC vs Lockton Product Liability Insurance

### Sources About CFC

1. [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.
2. [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.
3. [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.
4. [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.

### Sources About Lockton

5. [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.
6. [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.

Updated 2026-09-29. 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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