CFC vs TechInsurance General Liability Insurance

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.

TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. ¹⁰Company-reported. General liability 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 general liability policy; TechInsurance describes returning quotes from multiple carriers rather than naming one upfront. ¹⁰Not publicly disclosed. General liability 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, 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.

TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. ¹⁰Company-reported. General liability product page.

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.

TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. ¹⁰Company-reported. General liability product page; general policy description, not a specific policy form.

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.

TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. ¹⁰Company-reported. General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table.

Not described in the reviewed sources.

You request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. ¹⁰Company-reported. General liability product page application and certificate sections.

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.

Not described in the reviewed sources.