CFC vs 
Newfront: How Do They Compare for Product Liability Insurance?
Newfront is a broker serving companies from start-ups to Fortune 10 through a consultation; CFC sells product liability only inside life science and nutraceuticals packages, with published limits and a separate application for each package.
CFC publishes product-liability wording and maxima inside life-science and nutraceuticals packages; Newfront serves start-ups through Fortune 10 but does not detail its product-liability policy wording on the reviewed page. 2,3,5
What Are the Key Differences Between CFC and Newfront Product Liability Insurance?
Published Coverage Terms Versus Broad Casualty Support
CFC’s brochures describe bodily injury or property damage from product use, ingestion or implantation and list a $15 million claims-made maximum ($7 million occurrence). Newfront’s Casualty practice serves companies from start-ups to Fortune 10 and describes claims advocacy and risk-control resources, but its reviewed page does not spell out the product-liability grant or trigger. 2 3 5
Published Maxima Versus Quote-Only Limits
CFC lists a maximum products-liability limit of $15 million claims-made and $7 million occurrence for both packages. Published limits or retentions for product-liability coverage were not found on Newfront’s reviewed Casualty page. 2 3 5
Who Each Practice Says It Serves
CFC’s life science appetite includes manufacturers and distributors of devices and software as a medical device, with ordinary declines such as infusion devices; nutraceuticals appetite includes energy drinks and weight-loss products. Newfront says its Casualty practice, led by Frannie Epps, serves companies of all sizes from start-ups to Fortune 10 across a broad span of industries, without a product-liability-specific size threshold. 2 3 5
Intake and Services
CFC publishes separate applications for life science and nutraceuticals. You engage Newfront by requesting a consultation rather than an instant quote; Newfront says its Casualty team offers claims advocacy, integrated risk-control resources and data-backed benchmarking across the casualty lines it places, including product liability. 1 6 5
What Should You Confirm in CFC and Newfront Product Liability Insurance Quotes?
- Ask CFC which package applies and whether the products-liability limit is claims-made or occurrence. 2
- Ask Newfront for the placed policy’s wording and issuing insurer, which the reviewed page does not name. 5
- Compare Newfront’s proposed limit with CFC’s brochure maxima. 5 3
- Ask how claims would be handled: CFC’s nutraceuticals claims-handler statement versus Newfront’s claims advocacy. 4 5
CFC vs Newfront Product Liability Insurance Compared
CFC vs Newfront: Product Liability Insurance: documented features by provider
| Criteria | CFC Life Science and Nutraceuticals | Newfront Casualty Product Liability |
|---|---|---|
| Who It’s For | For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 2Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 3Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | Newfront says its Casualty practice, led by Frannie Epps, serves companies "of all sizes, ranging from start-ups to Fortune 10" across a broad span of industries, without a product-liability-specific size or revenue threshold. 5Company-reported. Casualty page leadership bio; a practice-wide eligibility statement, not product-liability-only. |
| How to Apply | CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. 1Company-reported. Life science product page's downloads list. | You engage Newfront for product-liability placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. 6Company-reported. General consultation intake, not a product-liability-specific application path. |
| Role in This Line | CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 1Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure. | Newfront names product liability as one of the coverages its Casualty practice places, opening the practice page by saying it helps clients with "mitigating product liability and improving customer safety." Newfront brokers this coverage; it does not underwrite it. 5Company-reported. Casualty page opening description and Key Coverages list. |
