CFC vs 
Travelers: How Do They Compare for Commercial Property Insurance?
CFC packages property with general liability and publishes a $10 million property limit; Travelers underwrites standalone or packaged property across small, midsize and large accounts.
Travelers offers below-deductible recovery help, risk-control specialists and wildfire discounts; CFC names a claims contact and caps its bundled product at $10 million. 4,3
What Are the Key Differences Between CFC and Travelers Commercial Property Insurance?
If you value help recovering losses below your deductible or wildfire mitigation discounts, Travelers describes both services for property customers. CFC names a Property & Casualty claims team leader but describes no comparable recovery service; its bundled property and liability product has a published limit up to $10 million. 4 3 2
Tiered Limits Versus One Flat Cap
Travelers publishes an attachment point for large accounts — its excess property market typically attaches at $1,000,000 or greater — on top of separate tiers for small business (BOP), midsized business (Travelers Deluxe, OMNI) and large or specialty business (Customized Property Coverage). 4 CFC instead publishes a single limit for its combined product: up to $10,000,000, with no tiering by account size described. 2
Standalone Versus Bundled
Travelers underwrites commercial property as a standalone policy or packaged with other coverage, depending on the tier. 4 CFC removes that flexibility for its own product, selling property only bundled with general liability in one Property & Casualty policy. 1
What Should You Confirm in CFC and Travelers Commercial Property Insurance Quotes?
- Confirm which Travelers tier fits your account and what its specific limits and deductibles are. 4
- Ask CFC which insurer actually carries the risk, since its materials describe CFC as the policy designer rather than the risk-bearer. 1
- Ask whether Travelers' Under Deductible Subrogation service or wildfire mitigation discount applies to your property before assuming it's included. 4
- If your business is on CFC's declined list, ask whether an exception applies before assuming eligibility. 2
CFC vs Travelers Commercial Property Insurance Compared
CFC vs Travelers: Commercial Property Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Travelers Commercial Property Insurance |
|---|---|---|
| Limits and Retentions | CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. 2Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. | Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. 4Company-reported. Product page "Excess property market" section. |
| 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 for this product, 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, published for the combined property & casualty product; actual acceptance depends on individual underwriting. | Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. 4Company-reported. Product page small, midsized and large/specialty business sections. |
| Coverage Features | CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. 2Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued. Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. 2Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting. | Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. 4Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy. |
| Role in This Line | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property 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. | Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. 4Company-reported. Product page tier descriptions. |
