CFC vs TechInsurance Commercial Property Insurance

CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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.

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. ¹⁰Company-reported. Commercial property product page.

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.

The reviewed page does not name the issuing insurer for a commercial property policy. ¹⁰Not publicly disclosed. Commercial property product page as read on 2026-09-23.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

Not described in the reviewed sources.

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. ⁶Company-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. ⁶Company-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). ¹⁰Company-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). ¹⁰Company-reported. Commercial property product page, What isn't covered section.

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. ⁶Company-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. ¹⁰Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Not described in the reviewed sources.

You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ¹⁰Company-reported. Commercial property product page.

CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. ⁷Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property.

Not described in the reviewed sources.