CFC vs Risklytics: How Do They Compare for Commercial Property Insurance?

Risklytics places commercial property through outside carriers using an online application for leased offices or labs; CFC bundles property with general liability for favored business types.

Risklytics covers offices and labs on the insured premises and directs off-site equipment to separate inland-marine coverage; CFC bundles property with liability and offers a product-recall extension. ^4,²

What Are the Key Differences Between CFC and Risklytics Commercial Property Insurance?

If a landlord requires coverage for a leased office or lab, Risklytics describes property protection for the building and contents on site and says equipment is not covered once it leaves; that needs a separate Equipment/Inland Marine policy. Risklytics also describes an online application with no broker fee, while CFC sells a combined Property & Casualty product with a published limit up to $10 million. ⁴ ⁶ ²

"Most Standardized" Versus a Defined Appetite List

Risklytics calls commercial property the most standardized, easy-to-get policy it places, typically triggered by a landlord requiring coverage on a first lease with meaningful contents. ⁴ CFC instead screens applicants against a published appetite: favoring manufacturers and distributors, professional services and e-commerce sellers, and ordinarily declining amusement arcades, nightclubs and bars, manual contractors and aviation risks. ²

Buying the Policy

Risklytics describes an online application with no broker fee on top of the premium, saying a licensed producer stays on the file until the program binds. ⁶ CFC's brochure instead includes a downloadable application tied to its combined Property & Casualty product, with a published limit of up to $10,000,000. ²

What Should You Confirm in CFC and Risklytics Commercial Property Insurance Quotes?

Ask Risklytics which specialist carrier it is placing your account with, since its page names none for this line. ⁴
Ask CFC which insurer actually carries the risk, since its materials describe CFC as the policy designer rather than the risk-bearer. ¹
If your business keeps valuable equipment off-premises, ask Risklytics whether that needs a separate Equipment/Inland Marine policy. ⁴
If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. ²

CFC vs Risklytics Commercial Property Insurance Compared

CFC vs Risklytics: Commercial Property Insurance: documented features by provider

Criteria	CFC Property & Casualty	Risklytics Commercial Property Insurance
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 for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting.	Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ⁴Company-reported. Lines page.
Coverage Features	CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ²Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ²Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.	Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

Criteria

CFC Property & Casualty

Risklytics Commercial Property Insurance

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 for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. ⁴Company-reported. Lines page.

Coverage Features

CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ²Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued.

Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ²Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.

Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). ⁴Company-reported. Lines page; the issued policy and declarations control actual coverage.

Role in This Line

CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.