CFC vs Risklytics Umbrella and Excess Liability Insurance

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. ⁵Company-reported. Umbrella cover product page description of what the policy tops up.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. ^5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product.

Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^9,6Company-reported. Lines page and about page; no specific insurer is published for this line.

CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ⁵Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.

Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ⁹Company-reported. Lines page.

CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ⁵Company-reported. Umbrella cover product page.

Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ⁹Company-reported. Lines page; the issued policy and declarations control actual coverage.

The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. ⁵Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ⁹Company-reported. Lines page; actual limits are set on the bound policy.

Not described in the reviewed sources.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁹Company-reported. Lines page.

The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ⁵Company-reported. Umbrella cover product page call to action.

You start Risklytics Extra Limits (Umbrella) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^10,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form.