CFC vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

Pricing is where these two differ on paper: The Hartford publishes average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability, while CFC lists E&O limits up to $10 million and minimum premiums from $475.

The Hartford lists five profession-specific E&O products, with monthly averages from $38 to $239; CFC offers one modular policy with a $10 million maximum. ^4,²

What Are the Key Differences Between CFC and The Hartford Professional Liability (E&O) Insurance?

Reporting After a Policy Ends

The Hartford says its claims-made policies typically include a 30-to-60-day extended reporting period, which can be extended to a year or longer for an added cost. ⁴ CFC's reviewed brochure does not describe its reporting period or retroactive-date terms. ² Ask how long you can report a claim after cancellation or nonrenewal.

Professions Named

The Hartford names accountants, consultants, interior designers, advertising agencies and graphic designers as target industries. ⁴ CFC names business, education, environmental, food, HR, market-research and security consultants, while listing other declined professions. ² Choose the product whose eligibility matches your actual services.

What Should You Confirm in CFC and The Hartford Professional Liability (E&O) Insurance Quotes?

Ask The Hartford which of its five E&O products fits your profession and compare its actual premium and terms. ⁴
Check CFC's declined-profession list before applying. ²
Ask CFC about extended reporting and retroactive-date terms; its brochure does not detail them. ²
Request the issuing insurer and policy wording for each quote. ⁴ ¹

CFC vs The Hartford Professional Liability (E&O) Insurance Compared

CFC vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider

Criteria	CFC Professional Services	The Hartford Professional Liability Insurance (Errors & Omissions)
Limits and Retentions	CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. ²Company-reported. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting.	The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. ⁴Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
Who It’s For	CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. ⁴Company-reported. Professional liability product page as read 2026-09-23.
Coverage Features	CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. ²Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. ²Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.	The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. ⁴Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
Role in This Line	CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. ^1,²Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.	The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. ⁴Company-reported. Professional liability product page as read 2026-09-23.