CFC vs The Hartford 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.

The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ¹¹Company-reported. General liability product page as read 2026-09-23.

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.

Not described in the reviewed sources.

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.

The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ¹¹Company-reported. General liability product page as read 2026-09-23.

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.

The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ¹¹Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.

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.

The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ¹¹Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

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.

The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. ¹²Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.