CFC vs 
Mylo Umbrella and Excess Liability Insurance
Mylo brokers $1–15 million commercial umbrella over GL, auto or workers’ compensation; CFC excess can follow professional or cyber.
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. 1,2,3,4
What Is Mylo Insurance?
Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. 6,7
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 9,10
Key Differences in Umbrella and Excess Liability Insurance
Brokered Range Versus a Three-Line Excess Product
Mylo brokers commercial umbrella by comparing quotes from multiple carriers rather than underwriting it, and it says most policies add $1 million to $15 million once general liability, commercial auto or workers’ compensation is exhausted. CFC sells one excess policy over professional liability, general liability or cyber. Workers’ compensation and auto appear in Mylo’s stack; professional and cyber appear in CFC’s. 8 5
Standalone Rule and International Trigger
Mylo says umbrella cannot be purchased or used on its own without an underlying policy, and it may be needed when a primary policy limits overseas protection or a contract requires umbrella. CFC says it will provide the excess even if the primary is with another insurer, and it targets small and micro businesses without naming an international trigger. 8 5
How Advice Is Delivered
Mylo says a licensed agent reviews the business and compares quotes from top-rated carriers. CFC directs you to contact CFC and does not describe a multi-carrier comparison. Mylo’s page does not name the issuing insurer; CFC’s page also does not tie a syndicate to this product. 8 5 4
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask Mylo where the quoted layer sits in the $1–15 million range and which of GL, auto or workers’ compensation it follows. 8
- Ask CFC whether professional or cyber will share the excess with general liability. 5
- Confirm overseas exposures Mylo mentions against CFC’s unpublished territorial terms. 8 5
- Get issuing carriers from both quotes. 8 4
Offering Details
CFC vs Mylo Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Mylo Commercial Umbrella Insurance |
|---|---|---|
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 5Company-reported. Umbrella cover product page description of what the policy tops up. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 8Company-reported. Commercial umbrella product page. |
| Issuing Insurer | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | The commercial umbrella product page does not name the insurer that would issue a given business's policy. 8Not publicly disclosed. Checked the commercial umbrella product page on 2026-09-23. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. 8Company-reported. Commercial umbrella product page FAQ. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 5Company-reported. Umbrella cover product page. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 8Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| Limits and Retentions | The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 5Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 8Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 8Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. |
Full Comparison
More CFC vs Mylo Comparisons
Other Umbrella and Excess Liability 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.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Commercial Umbrella. Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
