---
title: "CFC vs The Hartford: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-the-hartford"
provider-a: "cfc"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of CFC and The Hartford for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about CFC versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, CFC or The Hartford?
- What does CFC or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: CFC and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 offers five E&O products with profession-specific average prices; CFC offers one modular policy with a $10 million maximum.

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

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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

## 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") CFC's reviewed brochure does not describe its reporting period or retroactive-date terms. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") CFC names business, education, environmental, food, HR, market-research and security consultants, while listing other declined professions. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") 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](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Check CFC's declined-profession list before applying. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Ask CFC about extended reporting and retroactive-date terms; its brochure does not detail them. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Request the issuing insurer and policy wording for each quote. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

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

| 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)<br><br>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. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: 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. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About CFC and The Hartford and Professional Liability (E&O) Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for CFC vs The Hartford Professional Liability (E&O)

- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [CFC Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/cfc/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for CFC vs The Hartford Professional Liability (E&O) Insurance

### Sources About CFC

1. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23.
2. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23.
3. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). Accessed 2026-09-23.

### Sources About The Hartford

4. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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