CFC vs WithCoverage Product Liability Insurance

CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. ⁵Company-reported. Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure.

WithCoverage is a broker, not an insurer; it reviews product liability exposure as part of a consumer-brand insurance-program audit and can place or transition the coverage on a client's behalf. ^12,14Company-reported. Consumer industry page hero and FAQ; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.

The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. ^5,6,7Not publicly disclosed. Life science page and both brochures as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for either package would need to come from the quote or declarations.

The reviewed pages do not name which insurer or insurers WithCoverage places product liability coverage with. ¹²Not found in reviewed sources. Consumer industry page as read on 2026-09-23.

For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. ⁶Company-reported. Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. ⁷Company-reported. Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

WithCoverage's risk-advisors page describes a team member who stewards CPG and manufacturing accounts, negotiating directly with carriers, indicating product liability work is concentrated in consumer-packaged-goods and manufacturing clients. ¹³Company-reported. Risk-advisors Oscar spotlight.

Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. ^6,7Company-reported. Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued.

Product liability is explicitly named in both the consumer page's hero and its itemized program-audit scope, one of the few lines confirmed consistently in both places on that page. ¹²Company-reported. Consumer industry page hero and FAQ.

CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. ^6,7Company-reported. "Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting.

Not described in the reviewed sources.

CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. ⁵Company-reported. Life science product page's downloads list.

WithCoverage offers a no-cost program audit that includes product liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ¹²Company-reported. Consumer page FAQ.

CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. ⁸Company-reported. CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data.

Not described in the reviewed sources.