CFC vs 
Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?
Relm Insurance targets higher-exposure fleets, large contracts and regulated sectors through brokers; CFC targets small and micro businesses that need more professional, GL or cyber limits.
CFC fits small and micro businesses that need more limit above professional, general or cyber liability, even when another insurer holds the primary policy. Relm is for heavier exposures, such as large fleets, big contracts, energy, manufacturing and transportation, and you reach it through a broker. 1,3
What Are the Key Differences Between CFC and Relm Insurance Umbrella and Excess Liability Insurance?
Office and Tech Exposures Versus Heavy Operations
CFC writes excess only over professional liability, general liability or cyber, which matches consultants, agencies and tech firms, not fleets or plants. You contact CFC directly, and it doesn't require you to move your primary policy. Relm says its excess helps companies with large vehicle fleets, lots of public interaction or large contracts, especially in energy, manufacturing or transportation. Choose CFC if a client contract asks for higher professional or cyber limits; choose Relm, through your broker, if you run trucks, sites or heavy industrial work. 3 1
Who Sets Your Limit
Relm's page says brokers will always advise on the exact limit a client needs, so you'll depend on your broker's judgment. CFC publishes no maximum excess amount either. Neither page names the insurer that issues the policy. 3 1 2
What Should You Confirm in CFC and Relm Insurance Umbrella and Excess Liability Insurance Quotes?
- Ask your broker which of your liability policies Relm's excess would sit above for your industry. 3
- Ask CFC whether professional and cyber share one excess limit with general liability. 1
- Get the maximum limit in writing from CFC and compare it with the limit your broker advises for Relm. 3 1
- Ask both which insurer issues the policy. 3 2
CFC vs Relm Insurance Umbrella and Excess Liability Insurance Compared
CFC vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Relm Excess Liability Insurance |
|---|---|---|
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 1Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. 3Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-reported. Umbrella cover product page call to action. | Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. 3Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research. |
| 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. 1Company-reported. Umbrella cover product page. | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. 3Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control. |
| 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. 1Company-reported. Umbrella cover product page description of what the policy tops up. | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
