CFC vs RiskCube General Liability Insurance

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.

RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ¹¹Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 2026-09-23.

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.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including general liability, are underwritten and issued by third-party carriers it does not name. ¹⁰Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for general liability specifically.

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.

RiskCube says general liability is "the policy behind most COIs required by landlords, event venues, and vendor contracts," framing it as the coverage startups typically need first to satisfy those counterparties. ¹¹Company-reported. Catalogue General Liability card; specific landlord, venue or vendor requirements were not independently verified.

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.

RiskCube describes general liability as covering bodily injury, property damage and advertising injury. ¹¹Company-reported. Catalogue General Liability card summary.

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.

RiskCube's catalogue does not publish specific limit or retention amounts for general liability. ¹¹Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated general liability page was not available to check for a limits table.

Not described in the reviewed sources.

The reviewed catalogue page does not describe risk-control or other services specific to general liability. ¹¹Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.

Not described in the reviewed sources.

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including general liability. ¹¹Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific.

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.

The reviewed catalogue page does not describe claims handling specific to general liability. ¹¹Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.