CFC vs Simply Business: How Do They Compare for General Liability Insurance?

CFC’s GL brochure lists products and completed operations, pollution, tenants’ legal liability, hired and non-owned auto, employee benefits and medical expense extensions; Simply Business describes potential third-party injury, property damage and defense costs. ^6,¹⁰

What Is CFC Insurance?

CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. ^1,^2,^3,⁴

Read the CFC profile

Read the CFC General Liability Insurance page

Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. ^8,⁹

Read the Simply Business profile

Read the Simply Business General Liability Insurance page

What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. ^11,^12,¹³

Read the full coverage guide

Key Differences in General Liability Insurance

Combined Property and Liability Policy

CFC’s Property & Casualty program places GL alongside commercial property in one policy, and its brochure lists casualty extensions for products/completed operations, pollution, tenants’ legal liability, hired/non-owned auto, employee benefits and medical expenses. Simply Business describes potential third-party injury, property damage and defense-cost protection. Ask whether the CFC combined structure fits your purchase, or request a separate GL proposal through Simply Business. ⁵ ⁶ ¹⁰

Stated Casualty Limit and Appetite

CFC’s brochure lists a casualty limit up to $6 million and names preferred sectors such as manufacturing, distribution, non-manual services, e-commerce, retail and offices; it also lists industries it ordinarily declines. Simply Business gives small-business examples but says eligibility depends on the carrier and applicant. A business outside CFC’s stated appetite should confirm eligibility before comparing its package limit with an approved Simply Business quote. ⁶ ¹⁰

Insurer and Binding

CFC does not name the carrier carrying this product in the reviewed pages. Simply Business says a quote is not guaranteed and cannot bind without panel-member approval. Ask each channel for the actual insurer and declarations; CFC’s published $6 million figure is a maximum stated for the product, not a promise of that limit to every account. ⁵ ⁹

What to Confirm in General Liability Insurance Quotes

Ask CFC whether the quoted casualty limit reaches $6 million and which GL extensions apply to your operations; have Simply Business identify the policy’s GL limit and any package relationship. ⁶ ¹⁰
Confirm the insurer, property/GL split, deductible and appetite for your industry in the CFC policy; ask Simply Business for carrier approval and binding confirmation. ⁵ ⁹

CFC and Simply Business Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

CFC Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.^[4]^[11]

Read CFC reviews

Simply Business Review Score

5.7/ 10

Review Score

4 rated sources

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.^[6]^[10]^[7]

Read Simply Business reviews

CFC vs Simply Business General Liability Insurance Compared

CFC vs Simply Business: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	General liability insurance through Simply Business
Role in This Line	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.	Confirm in your quote.
Issuing Insurer	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.	Confirm in your quote.
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, 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.	The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. ¹⁰Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.
Coverage Features	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.	The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. ¹⁰Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.
Limits and Retentions	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.	Confirm in your quote.
How to Apply	Confirm in your quote.	Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. ^10,⁹Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.
Claims Support	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.	Confirm in your quote.

Related Pages for CFC vs Simply Business General Liability Insurance

General Liability Insurance Pages for CFC and Simply Business

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Sources for CFC vs Simply Business General Liability Insurance

Sources About CFC

About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
Property & casualty. CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
Property & casualty | Product brochure | United States. CFC; At a glance; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
Claims. CFC; Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes". Accessed 2026-09-23.

Sources About Simply Business

Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.

Sources for the General Liability Insurance Guide

Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.