CFC vs 
Nationwide: How Do They Compare for Umbrella and Excess Liability 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
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. 6,7,8
Read the Nationwide Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 10,11,12,13,14
Key Differences in Umbrella and Excess Liability Insurance
Underlying Coverage and Form
CFC sells one excess policy above professional liability, general liability, cyber, or a combination of those primary policies. Nationwide describes an added layer above underlying policies such as general liability or business auto. For a business seeking one excess contract over several lines, ask whether the CFC form schedules every desired primary policy and how Nationwide treats the same combination. 5 9
Limits, Eligibility, and Buying
CFC says it will consider small and micro businesses across a wide range of professions and accepts underlying insurance placed with another insurer. Nationwide asks for business, policy, loss and payroll details, with terms dependent on the applicant and underlying cover. Ask CFC which professions it will consider and ask Nationwide what underwriting details determine whether your business qualifies. 5 9
Support to Confirm
CFC directs interested businesses to contact it directly; Nationwide offers agent contact or a quote request. Neither overview publishes a universal excess limit. Ask each for the maximum available layer, required underlying limits, attachment point, exclusions, and whether the policy follows the underlying wording. 5 9
What to Confirm in Umbrella and Excess Liability Insurance Quotes
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 Umbrella and Excess Liability Insurance Compared
CFC vs Nationwide: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Nationwide umbrella excess (official overview) |
|---|---|---|
| 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. | Nationwide describes offering umbrella excess for the audience stated on the cited product page. 9Company-reported. umbrella excess 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 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. | Confirm in your quote. |
| 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. | Businesses with underlying liability coverage; Nationwide requests business, policy, loss, and payroll information for a quote. 9Company-reported. umbrella excess 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 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. | The cited product page describes an added liability layer above underlying policies such as general liability or business auto; the page says terms and quote depend on the insured's business and underlying coverage. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. umbrella excess 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 | 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. | 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. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. | 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. 9Company-reported. umbrella excess 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. |
Related Pages for CFC vs Nationwide Umbrella and Excess Liability
Umbrella and Excess Liability Insurance Pages for CFC and Nationwide
Other Coverage Lines Compared for CFC vs Nationwide
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for CFC vs Nationwide Umbrella and Excess Liability 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 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.
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 Umbrella Liability Insurance from Nationwide. Nationwide; How commercial umbrella works; underlying policies and additional-liability layer. Accessed 2026-09-30.
Sources for the 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.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
