---
title: "CFC vs TechInsurance: Commercial Property Insurance"
description: "TechInsurance reports a $108 median monthly property premium; CFC publishes a $10 million limit but no comparable price, and bundles property with general liability."
canonical: "https://spot.insure/compare/cfc-vs-techinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-techinsurance"
provider-a: "cfc"
provider-b: "techinsurance"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-techinsurance/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of CFC and TechInsurance for Commercial Property 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 Commercial Property Insurance questions about CFC versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs TechInsurance for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, CFC or TechInsurance?
- What does CFC or TechInsurance publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Property Insurance. Providers: CFC and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance) — all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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, while CFC publishes a $10 million limit and sells property only with general liability.

## CFC vs TechInsurance Commercial Property Insurance Summary

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](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") [2](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## 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](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") [2](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [1](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")

### 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](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") 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](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

### 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](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") CFC's materials describe no standalone option: its Property & Casualty product only sells property bundled with general liability as a single policy. [1](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")

## 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](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")
- Ask CFC the same question, since its materials describe CFC as the policy designer rather than the risk-bearer. [1](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")
- If catastrophe perils matter to you, confirm exactly how each treats earthquake, hurricane and flood exposure before assuming either includes it. [4](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")
- If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. [2](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## CFC vs TechInsurance Commercial Property Insurance Compared

| 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. [2](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..) | 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. [4](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: 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. [2](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 "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued..)<br><br>Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. [2](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 "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). [4](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page; general policy description, not a specific policy form..)<br><br>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). [4](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [2](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..) | 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. [4](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |

## About CFC and TechInsurance and Commercial Property Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property)

## Related Pages for CFC vs TechInsurance Commercial Property Insurance

- [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [CFC Commercial Property Insurance](https://spot.insure/insurance-providers/cfc/commercial-property)
- [TechInsurance Commercial Property Insurance](https://spot.insure/insurance-providers/techinsurance/commercial-property)

## Sources for CFC vs TechInsurance Commercial Property Insurance

### Sources About CFC

1. [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.
2. [Property & casualty | Product brochure | United States](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf). CFC; At a glance; Property, contents and business interruption cover; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
3. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Dean Plumridge, Claims Team Leader, Property and Casualty. Accessed 2026-09-23.

### Sources About TechInsurance

4. [Commercial Property Insurance Quotes Online](https://www.techinsurance.com/commercial-property-insurance). TechInsurance; What is covered under commercial property insurance? (theft, company-owned buildings, weather damage, accidental damage, vandalism); How much does commercial property insurance cost?; What isn't covered by commercial property insurance?; How does property insurance coverage work? (actual cash value vs. replacement cost). Accessed 2026-09-23.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-techinsurance/commercial-property.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)