CFC vs 
Markel Insurance: How Do They Compare for Crime Insurance?
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 9,10
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 12,13,14,15,16
Key Differences in Crime Insurance
Crime Policy Placement
CFC places crime within its U.S. Management Liability package and its brochure lists employee theft, funds-transfer fraud, credit-card and currency fraud, client crime, and on- and off-premises theft. Markel’s reviewed page places eCrime inside Cyber 360 and does not establish a standalone commercial crime policy. If you need a dedicated fidelity or crime form, CFC’s package is explicitly described as crime coverage, while Markel’s documented route is a cyber-policy component; ask for the actual form before treating them as interchangeable. 5 11
Fraud Scenarios and Access
Markel specifically names unauthorized money transfers and fake payment instructions as examples of eCrime expenses, subject to policy terms. CFC lists funds-transfer fraud alongside employee and client crime in its package. Those labels may address overlapping events, but the published summaries do not show how each form treats social engineering, who may be protected, or whether coverage responds to a direct loss or related expense. CFC also identifies California-domiciled businesses and U.S. public companies among declined risks for the package; Markel describes the cyber resources for Cyber 360 policyholders. 11 5 11
Published Limits
CFC’s brochure does not publish a crime limit, sublimit, or retention, and Markel’s eCrime overview likewise leaves exact terms to the quoted policy. Compare the crime-specific schedule and wording rather than relying on the broader Management Liability or Cyber 360 headline limit. 5 11
What to Confirm in Crime Insurance Quotes
- Ask CFC for the crime section’s limit, sublimits, and retention within the Management Liability package, plus the issuing insurer for your placement. 5
- Ask Markel whether eCrime is included in your Cyber 360 form and whether it covers the exact transfer or payment-instruction scenario you face. 11
- If your business is California-domiciled or publicly traded in the U.S., ask CFC to confirm eligibility before completing an application. 5
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
CFC vs Markel Insurance: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Markel Cyber 360 eCrime coverage |
|---|---|---|
| Role in This Line | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. 5,6Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | Markel lists eCrime within the fraud and unauthorized-use section of Cyber 360; the reviewed source does not establish a standalone commercial crime policy from this page. 11Company-reported. Cyber policy component only; not a fidelity bond. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. 4,5Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. 5Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | Markel describes these resources and coverages for Cyber 360 policyholders; the exact availability and terms require the quoted policy. 11Company-reported. Policyholder-specific access and policy wording apply. |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 5Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. 5Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. 7,5Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products. | The page says eCrime may cover expenses from fraudulent activity such as unauthorized money transfers and fake payment instructions, subject to policy terms. 11Company-reported. Cyber 360 marketing description; does not establish a general crime-form grant. |
| Limits and Retentions | The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. 5Not publicly disclosed. Brochure as read on 2026-09-23. | Confirm in your quote. |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. 8Company-reported. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing. | Confirm in your quote. |
Full Comparison
More CFC vs Markel Insurance Comparisons
Other Crime 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 Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Fintech insurance. CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Cyber Insurance Coverage. Markel; Cyber 360 coverage options: media liability; technology professional liability; eCrime; coverages listed within the cyber policy. Accessed 2026-09-29.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
