CFC vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?

Risklytics is a licensed producer whose typical request is $1 million to $10 million over GL, auto and employer's liability, rarely over Tech E&O. CFC sells excess over professional liability, cyber or GL, including another insurer's primary.

If you need more limit on your tech E&O or cyber policy, CFC is the fit: its excess can sit over professional liability, cyber or general liability. Risklytics adds a typical $1 million to $10 million, mostly over general liability, auto and employer's liability, and rarely over tech E&O. ^1,³

What Are the Key Differences Between CFC and Risklytics Umbrella and Excess Liability Insurance?

Which Policies the Extra Limit Sits On

Risklytics says its usual buyer has just signed an enterprise master services agreement, or faces a site owner, demanding $5 million or more when the primary policy carries less. CFC aims at small and micro businesses and can combine professional, general and cyber liability underneath one excess. Choose CFC if a client wants higher limits on your E&O or cyber coverage; choose Risklytics if you're a robotics, autonomy or AI company whose contract calls for more general liability, auto or employer's liability limit. ³ ¹ ⁴

How You Buy and What It Costs

Risklytics takes an online application, charges no broker fee on top of premium and places with specialist insurers that write robotics, autonomy and AI risk. CFC asks you to contact it and says its excess can sit over a primary policy from another insurer, so you don't have to move your existing coverage. Neither publishes the insurer or, in CFC's case, a maximum limit. ⁵ ⁴ ¹

What Should You Confirm in CFC and Risklytics Umbrella and Excess Liability Insurance Quotes?

Ask Risklytics whether it can place extra limits over your professional or cyber policy at all. ³
Ask CFC which of your cyber, professional or general liability policies the excess will sit over. ¹
Ask CFC for the maximum limit it will write, to set against Risklytics' $1 million to $10 million typical range. ³ ¹
Ask Risklytics which insurer issues the policy, and ask CFC how its compensation is built into price. ⁵ ¹

CFC vs Risklytics Umbrella and Excess Liability Insurance Compared

CFC vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	CFC Umbrella Cover	Risklytics Extra Limits (Umbrella) 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.	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. ³Company-reported. Lines page.
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.	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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.