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

For a price reference, TechInsurance reports a $108 monthly median among its property policyholders and offers online quotes with agent help; CFC packages property with general liability.

TechInsurance reports a $108 median monthly property premium; CFC publishes a $10 million limit but no comparable price, and bundles property with general liability. ^4,²

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

TechInsurance reports a $108 monthly median ($1,301 yearly) for commercial property, though your price depends on location, limits, deductible, security, equipment value and building details. CFC instead publishes a limit up to $10 million without a comparable price figure, and only sells property bundled with general liability. ⁴ ² ¹

Catastrophe Perils and Valuation

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods unless added separately, and offers a choice between actual cash value and replacement cost valuation. ⁴ CFC's reviewed materials describe property, contents and business-interruption cover generally and do not detail catastrophe-peril exclusions or a valuation-method choice on the pages reviewed; its customization instead runs through named enhancements such as a cyber and privacy extension. ²

Standalone Versus Always Bundled

TechInsurance arranges commercial property, also called business hazard insurance, as its own product for businesses that own or rent commercial space. ⁴ CFC's materials describe no standalone option: its Property & Casualty product only sells property bundled with general liability as a single policy. ¹

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

Ask TechInsurance which carrier would actually issue your policy, since its page does not name one. ⁴
Ask CFC the same question, since its materials describe CFC as the policy designer rather than the risk-bearer. ¹
If catastrophe perils matter to you, confirm exactly how each treats earthquake, hurricane and flood exposure before assuming either includes it. ⁴
If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. ²

CFC vs TechInsurance Commercial Property Insurance Compared

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

Criteria	CFC Property & Casualty	TechInsurance Commercial Property Insurance
Limits and Retentions	CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. ²Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.	TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁴Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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.	TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁴Company-reported. Commercial property product page; general policy description, not a specific policy form. TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁴Company-reported. Commercial property product page, What isn't covered section.
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.	TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁴Company-reported. Commercial property product page.

Criteria

CFC Property & Casualty

TechInsurance Commercial Property Insurance

Limits and Retentions

CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. ²Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁴Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁴Company-reported. Commercial property product page; general policy description, not a specific policy form.

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁴Company-reported. Commercial property product page, What isn't covered section.

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.

TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁴Company-reported. Commercial property product page.