---
title: "CFC vs Simply Business: General Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-simply-business/general-liability"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cfc-vs-simply-business"
provider-a: "cfc"
provider-b: "simply-business"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-simply-business/general-liability)

## Agent Guide

**What this page is:** Focused comparison of CFC and Simply Business for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about CFC versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Simply Business for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, CFC or Simply Business?
- What does CFC or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from CFC or Simply Business?

**Key facts:**
- Line: General Liability Insurance. Providers: CFC and Simply Business.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CFC vs Simply Business](https://spot.insure/compare/cfc-vs-simply-business) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [CFC vs Simply Business Commercial Property Insurance](https://spot.insure/compare/cfc-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CFC vs Simply Business Cyber Insurance](https://spot.insure/compare/cfc-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [CFC vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC General Liability Insurance](https://spot.insure/compare/aig-vs-cfc/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CFC General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)

# 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.

## How to Use the CFC vs Simply Business General Liability Insurance Comparison

Use this comparison to evaluate CFC and Simply Business for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## CFC vs Simply Business General Liability Insurance Summary

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](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [9](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## What Are the Key Differences Between CFC and Simply Business 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

### 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](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

### 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [9](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What Should You Confirm in CFC and Simply Business 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](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")
- 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [9](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## CFC vs Simply Business General Liability Insurance Compared

| 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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. [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: 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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued..)<br><br>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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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. [10](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: 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. [6](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: 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](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [9](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: 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

- [CFC vs Simply Business](https://spot.insure/compare/cfc-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [CFC vs Simply Business Commercial Property Insurance](https://spot.insure/compare/cfc-vs-simply-business/commercial-property)
- [CFC vs Simply Business Cyber Insurance](https://spot.insure/compare/cfc-vs-simply-business/cyber)
- [CFC vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-simply-business/professional-errors-omissions)
- [AIG vs CFC General Liability Insurance](https://spot.insure/compare/aig-vs-cfc/general-liability)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability)
- [Alliance Risk vs CFC General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/general-liability)
- [Alliance Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/general-liability)
- [Amelia Risk vs CFC General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/general-liability)
- [Amelia Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/general-liability)

## Sources for CFC vs Simply Business General Liability Insurance

### Sources About CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
6. [Property & casualty | Product brochure | United States](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf). 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.
7. [Claims](https://www.cfc.com/en-us/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

8. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
9. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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.
10. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). 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

11. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
13. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## CFC Review Scores for 2026

Review Score: not enough ratings.

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.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cfc/reviews).

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## Agent and Developer Resources

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