CFC vs Markel Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. ^5,6Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.

Markel describes offering professional errors omissions for the audience stated on the cited product page. ¹⁰Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

The reviewed professional liability 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. Professional liability product page and professions 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.

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CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. ⁶Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Small businesses in ProBiz's targeted industries; source describes businesses up to $5 million revenue for the miscellaneous E&O product. ¹⁰Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. ⁶Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued.

Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. ⁶Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.

The cited product page describes miscellaneous E&O for covered claims arising from professional services, with the page describing separate E&O and management-liability products. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ¹⁰Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. ⁶Company-reported. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting.

For its miscellaneous E&O product, Markel states coverage up to $2 million; this is a product-page maximum, not a promise that every applicant or quote receives that amount. ¹⁰Company-reported. Markel ProBiz miscellaneous E&O marketing page; class, underwriting, policy terms, and actual quoted limit control.

CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. ⁵Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole.

The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. ¹⁰Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. ⁷Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product.

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