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

The Hartford sells GL stand-alone or in a Business Owner's Policy and reports average premiums of about $810 a year. CFC instead describes GL inside one property and casualty policy with a casualty limit up to $6 million.

The Hartford fits architects, salons and tech firms seeking standalone general liability and reports an $810 annual average; CFC requires a property bundle and publishes a $6M casualty limit. ^2,⁴

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

The Hartford Offers a Standalone Option

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. ⁴Company-reported. General liability product page as read 2026-09-23.

CFC’s reviewed pages describe general liability only in a Property & Casualty policy that also includes commercial property; they do not describe standalone coverage. ¹

Their Target Businesses Differ

CFC favors manufacturers, distributors, e-commerce sellers and office premises; it typically declines amusement arcades, nightclubs and manual contractors. ² The Hartford targets architects, engineers, photographers, hair salons, gyms and technology companies, including businesses that meet clients or work on client property. ⁴

Compare Limits and Included Coverage

CFC’s casualty limit runs up to $6 million and its bundled policy adds pollution, tenants’ legal liability and employee benefits liability to bodily injury and property damage coverage. ² The Hartford lists products-completed operations and copyright infringement in advertising, while product recall requires an added endorsement. Its page does not publish a standard limit. ⁴

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

Ask CFC whether liability can be separated from commercial property and what limit would apply. ²
Ask The Hartford for your actual limit and deductible; it publishes an average premium, not standard limits. ⁴
Check whether your business matches CFC’s or The Hartford’s named target classes. ² ⁴
Ask each provider which insurer will issue the policy. ¹ ⁴

CFC vs The Hartford General Liability Insurance Compared

CFC vs The Hartford: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	The Hartford 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.	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. ⁴Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
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.	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. ⁴Company-reported. General liability product page as read 2026-09-23.
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.	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. ⁴Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
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.	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. ⁴Company-reported. General liability product page as read 2026-09-23.
Claims Support	CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. ³Company-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. ⁵Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.