CFC vs Pie Insurance General Liability Insurance

Pie cross-sells general liability broadly for small businesses; CFC targets a narrower, published list of business classes.

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

Read the CFC profile

What Is Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. ^8,^9,¹⁰

Read the Pie Insurance profile

What Is General Liability Insurance?

General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. ^12,¹³

Read the full coverage guide

Key Differences in General Liability Insurance

Broad Cross-Sell Versus a Published Appetite

Pie calls general liability "one of the most common types of insurance that businesses carry" and cross-sells it alongside workers' compensation, commercial auto, cyber and BOP coverage without naming an industry exclusion list. ¹¹ CFC instead publishes a specific appetite, favoring manufacturers, distributors, non-manual professional services and office premises while ordinarily declining amusement arcades, nightclubs and manual contractors.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, 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; actual acceptance depends on individual underwriting.

Carrier Partners Versus a Self-Designed Policy

Pie says it helps small businesses get general liability "from our insurance carrier partners," identifying itself as an intermediary rather than naming a specific insurer. ¹¹ CFC does not shop the line to carrier partners in the same way; it designs and sells general liability itself, bundled with commercial property. ⁵

Limits Disclosure

Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability coverage. ¹¹ CFC publishes a specific casualty limit of up to $6,000,000 for its combined policy. ⁶

What to Confirm in General Liability Insurance Quotes

Ask Pie which carrier partner is underwriting your specific quote. ¹¹
Ask CFC which insurer underwrites the Property & Casualty policy for your account. ⁵
If your business is in a class CFC says it ordinarily declines, ask Pie whether its carrier partners can still place it. ⁶
Get specific limit and deductible figures from Pie directly, since its page does not publish them. ¹¹

Offering Details

CFC vs Pie Insurance General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	Pie General Liability Insurance
Role in This Line	CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability 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.	Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. ¹¹Company-reported. General Liability product page as read on 2026-09-23.
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.	The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. ¹¹Not publicly disclosed. General Liability product page as read on 2026-09-23.
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, 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; actual acceptance depends on individual underwriting.	Pie calls general liability 'one of the most common types of insurance that businesses carry' and markets it to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber, and BOP insurance. ¹¹Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.
Coverage Features	The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ⁶Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ⁶Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.	Pie lists bodily injury, property damage, reputation harm (slander and libel claims), product liability, and advertising injury as the categories its general liability coverage typically addresses. ¹¹Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
Limits and Retentions	CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. ⁶Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.	The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. ¹¹Not publicly disclosed. General Liability product page as read on 2026-09-23.
How to Apply	Not described in the reviewed sources.	Pie directs general liability buyers to contact the company to start a quote through its website. ¹¹Company-reported. General Liability product page as read on 2026-09-23.
Claims Support	CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. ⁷Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit.	Not described in the reviewed sources.

Full Comparison

More CFC vs Pie Insurance Comparisons

Other General 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 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; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
Claims. CFC; Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes". Accessed 2026-09-23.

Pie Insurance

Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
General Liability Insurance. Pie Insurance; What's typically covered by general liability insurance? Bodily Injury, Property Damage, Reputation Harm, Product Liability, Advertising Injury; How does general liability insurance help protect small businesses?; Make sure you're covered: Contact Us. Accessed 2026-09-23.

General Liability Insurance Guide

Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.