CFC vs TechInsurance: How Do They Compare for Umbrella and Excess Liability Insurance?

TechInsurance adds umbrella in $1 million increments over GL, employer's liability and auto at a median $86 per month each. CFC sells one excess policy over professional liability, cyber or GL, for small and micro businesses.

TechInsurance adds umbrella in $1 million steps over general liability, employer's liability and commercial auto, at a reported median of $86 a month per million. CFC is the option if you need extra limits over professional liability or cyber, though it publishes no prices. ^3,¹

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

Which Policies the Extra Limit Sits Over

If a client contract asks for $5 million in professional liability, TechInsurance's umbrella won't help: it sits over general liability, employer's liability and commercial auto, and its separate excess option boosts only one policy, usually E&O or general liability. CFC sells a single excess over any mix of professional liability, general liability and cyber, even when another insurer wrote the primary. Choose TechInsurance if you need higher general liability or auto limits at a known price; choose CFC if you need extra professional or cyber limits. ³ ¹

Price You Can Budget

TechInsurance's median of $86 a month per million gives you a starting budget before you apply. CFC publishes no premiums or maximum limits, so you only learn cost at quote. ³ ¹

When You Need It and What Is Excluded

TechInsurance says umbrella matters most when a contract needs over $2 million or you run a higher-risk site such as a storefront. It needs an active underlying policy and excludes property damage and intentional crimes like employee theft. CFC targets small and micro businesses across many professions and doesn't list exclusions on its product page. ³ ¹

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

Ask TechInsurance whether your quote is an umbrella over several policies or excess over just one. ³
Tell CFC which of your professional, general and cyber policies the excess should follow. ¹
Ask both which insurer issues the policy; TechInsurance's page doesn't name one. ³ ²

CFC vs TechInsurance Umbrella and Excess Liability Insurance Compared

CFC vs TechInsurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	CFC Umbrella Cover	TechInsurance Commercial Umbrella Insurance
Who It’s For	CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.	TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ³Company-reported. Umbrella insurance product page.
Coverage Features	CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ¹Company-reported. Umbrella cover product page.	TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ³Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ³Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.
Role in This Line	CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ¹Company-reported. Umbrella cover product page description of what the policy tops up.	TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ³Company-reported. Umbrella insurance product page.

Criteria

CFC Umbrella Cover

TechInsurance Commercial Umbrella Insurance

Who It’s For

CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.

TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ³Company-reported. Umbrella insurance product page.

Coverage Features

CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ¹Company-reported. Umbrella cover product page.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ³Company-reported. Umbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ³Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

Role in This Line

CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ¹Company-reported. Umbrella cover product page description of what the policy tops up.

TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ³Company-reported. Umbrella insurance product page.