CFC vs TechInsurance: How Do They Compare for General Liability Insurance?

Licensed agents in all 50 states help TechInsurance customers pick a GL policy, and they pay a median of $45 per month. CFC combines GL with commercial property and lists a casualty limit up to $6 million.

TechInsurance offers standalone general liability, and most of its customers choose $1M per-occurrence limits; CFC bundles liability with property and publishes a $6M casualty limit. ^2,⁴

What Are the Key Differences Between CFC and TechInsurance General Liability Insurance?

Buy Standalone Coverage or a Property Bundle

TechInsurance arranges general liability as a standalone line. ⁴ CFC’s reviewed pages list it only in a combined Property & Casualty policy with commercial property. ¹

Typical Customer Limits Versus CFC’s Combined Limit

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. ⁴Company-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.

CFC publishes a casualty limit up to $6 million for the combined policy, without saying how much applies to an individual business or how it divides between liability and property. ²

What Should You Confirm in CFC and TechInsurance General Liability Insurance Quotes?

Ask CFC whether commercial property is required with general liability. ¹
Ask TechInsurance which insurer would issue your policy. ⁴
Request CFC’s limit breakdown between general liability and property. ²
Check whether CFC covers your business class. ²

CFC vs TechInsurance General Liability Insurance Compared

CFC vs TechInsurance: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	TechInsurance Commercial General Liability Insurance
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. ²Company-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. ⁴Company-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.
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. ²Company-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. ⁴Company-reported. General liability product page.
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. ²Company-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. ²Company-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. ⁴Company-reported. General liability product page; general policy description, not a specific policy form.
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. ^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 general liability insurance for small businesses and describes it as often the first policy small business owners buy. ⁴Company-reported. General liability product page.