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
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 8,9,10
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 12,13,14
What Are the Key Differences Between CFC and Nationwide Commercial Property Insurance?
Coverage Structure and Scope
CFC packages property with general liability in one Property & Casualty policy; Nationwide describes commercial property as a business coverage offering but does not specify a package structure on its reviewed page. CFC’s combined design may suit a buyer seeking both lines through one product, while a buyer comparing a separate property proposal from Nationwide should check whether liability is quoted separately or bundled. Confirm the selected policy schedule includes the locations and operations you need. 5 11
What the Published Terms Identify
CFC says its property coverage can pay to rebuild or repair a building and covers contents and resulting business interruption when a loss makes premises unusable. Its brochure lists a property limit up to $10 million. Nationwide’s overview describes building and business property but gives no standard limit or the same specific interruption description. Compare the proposed property limit and business-interruption period and amount on the quotes; the CFC brochure’s maximum is not a promise of that limit for an individual risk. 6 11
Applying and Comparing Proposals
CFC lists manufacturers, distributors, e-commerce, retail, office premises, and annual events among favored risks, while saying it ordinarily declines several categories including bars, nightclubs, manual contractors, and aviation. Nationwide’s overview leaves specific occupancy terms to underwriting. If your business falls into a CFC restricted category, ask Nationwide whether it will consider the operation and get CFC to confirm appetite before completing a full submission. 5 11
What Should You Confirm in CFC and Nationwide Commercial Property Insurance Quotes?
- Compare the CFC property limit and business-interruption terms with Nationwide’s proposed limit, valuation basis, deductible, and interruption period.
- Confirm CFC’s appetite for the stated occupancy and ask Nationwide’s agent how the quote treats any flood, earthquake, or other location-specific exposure.
CFC and Nationwide Review Scores for 2026
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
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 reviewsNationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsCFC vs Nationwide Commercial Property Insurance Compared
CFC vs Nationwide: Commercial Property Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Nationwide commercial property (official overview) |
|---|---|---|
| Role in This Line | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. 5,6Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. | Nationwide describes offering commercial property for the audience stated on the cited product page. 11Company-reported. commercial property marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The reviewed property & casualty 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. Property & casualty product page and 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. | Confirm in your quote. |
| Who It’s For | CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. 6Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting. | Businesses insuring commercial property; specific occupancy and terms depend on underwriting. 11Company-reported. commercial property marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. 6Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. 6Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting. | The cited product page describes commercial property coverage for business buildings and property, with the page's stated coverage and occupancy qualifications. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 11Company-reported. commercial property marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. 6Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 11Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 11Company-reported. commercial property marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. 7Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property. | Confirm in your quote. |
Related Pages for CFC vs Nationwide Commercial Property Insurance
Commercial Property Insurance Pages for CFC and Nationwide
Other Coverage Lines Compared for CFC vs Nationwide
Other Commercial Property Insurance Provider Comparisons
Sources for CFC vs Nationwide Commercial Property Insurance
Sources About 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 USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- Property & casualty. CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
- Property & casualty | Product brochure | United States. CFC; At a glance; Property, contents and business interruption cover; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
- Claims. CFC; Our claims team: Dean Plumridge, Claims Team Leader, Property and Casualty. Accessed 2026-09-23.
Sources About Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Property Insurance. Nationwide; Commercial property page; buildings, business property, and property-in-transit coverage overview. Accessed 2026-09-30.
Sources for the Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
