CFC vs USI Insurance Services Management Liability Insurance

CFC sells directors and officers, employment practices, fiduciary and crime coverage together in one US Management Liability package rather than as separate standalone products. CFC separately sells Side A DIC, an excess product for directors and officers only. ^5,6Company-reported. CFC's US management-liability product page and January 2026 brochure; package composition as CFC describes it, not an issued policy.

USI brokers management liability as a bundle rather than underwriting it, packaging D&O, employment practices liability, fiduciary liability and crime coverage under its ExecuSafe endorsement program. ¹¹Company-reported. ExecuSafe article.

CFC's regulatory page discloses that CFC Underwriting Limited is FCA-authorized and that CFC's Lloyd's Syndicate 1988 is managed by Asta Managing Agency Ltd, but the reviewed management-liability pages do not name the specific carrier or syndicate that would issue a given US package. ^4,6Not publicly disclosed. Regulatory information page and management-liability brochure as read on 2026-09-23; the insurer identified on an actual quote or declarations page controls.

USI does not name the insurer for ExecuSafe or its component coverages on the pages reviewed; it describes ExecuSafe as an endorsement package it applies when placing a client's management liability program with the market. ¹¹Not publicly disclosed. Article and Business Services page as read on 2026-09-23.

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for this package, and lists industries it favors, including manufacturing and distribution, technology, professional services, architects and engineers, and non-profits. ⁶Company-reported. Brochure's 'What we like' and 'What we decline' lists; underwriting still applies to any individual business, and the list is not exhaustive.

USI targets small- and medium-sized businesses that it says often lack the time, resources or expertise to evaluate D&O and related management liability risks on their own. ¹¹Company-reported. ExecuSafe article's stated audience.

CFC describes the package as covering directors and officers liability, employment practices liability, fiduciary liability, crime, executive cyber, kidnap and ransom, and executive reputation protection, plus court attendance costs. ^5,6Company-reported. Brochure's opening description and 'What else is in the policy?' list; the actual policy wording and any endorsements control what a given buyer receives.

USI describes ExecuSafe as addressing a company's D&O and management liability risks together, and separately lists D&O, employment practices liability, fiduciary liability, crime, and errors and omissions/professional liability as coverages its Business Services practice places. ^11,12Company-reported. Combines the ExecuSafe article's framing with the Business Services catalogue; actual insuring agreements and exclusions are set by the issued policy.

The reviewed product page and brochure do not publish per-occurrence or aggregate limits, retentions or premium ranges for the package. The reviewed pages checked did not disclose these figures. ⁶Not publicly disclosed. Product page and brochure as read on 2026-09-23; limits and deductibles appear on the quote and declarations.

Neither the ExecuSafe article nor the Business Services page publishes limit, retention or premium figures for a management liability bundle. ^11,12Not publicly disclosed. Pages as read on 2026-09-23.

CFC's brochure says the executive reputation protection component includes access to its reputation-management specialists, and its claims page describes a claims team organized by industry and specialization rather than by insurance line. ^6,7Company-reported. Brochure and claims page descriptions of CFC's own services; not an independent measure of service quality.

USI says it works with businesses to identify D&O and related management liability risks, review any existing policies for coverage gaps, and secure coverage through ExecuSafe, on top of its Business Services practice's general claim advocacy and risk-control offerings. ^11,12Company-reported. ExecuSafe article's "How USI Can Help" section and Business Services practice description.

The reviewed management-liability page and brochure do not describe an online quote or self-service application; they point prospective buyers to CFC's named US Management Liability Team. ⁵Not found in reviewed sources. Product page and brochure as read on 2026-09-23; a broker may have access to a separate application form not reviewed here.

USI directs small- and medium-sized businesses to email Select.Business@usi.com to discuss ExecuSafe and management liability risk generally. ¹¹Company-reported. Contact instructions on the ExecuSafe article.

CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. Margaret Murphy is named as Global Head of Claims. ⁷Company-reported. Claims page as read on 2026-09-23; notification channels and role descriptions, not claims-payment outcomes or timing.

Not described in the reviewed sources.