---
title: "CFC vs WTW: Professional Liability (E&O) Insurance"
description: "CFC's professional-services package publishes E&O limits up to $10 million and optional CGL, property and cyber; WTW describes professional-liability placement and review."
canonical: "https://spot.insure/compare/cfc-vs-wtw/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cfc-vs-wtw"
provider-a: "cfc"
provider-b: "wtw"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC and WTW 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 WTW. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs WTW for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, CFC or WTW?
- What does CFC or WTW publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from CFC or WTW?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: CFC and WTW.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CFC vs WTW](https://spot.insure/compare/cfc-vs-wtw) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [WTW profile](https://spot.insure/insurance-providers/wtw) — provider profile (evidence)
- [CFC vs WTW Cyber Insurance](https://spot.insure/compare/cfc-vs-wtw/cyber) — sibling comparison (other line, or other pair for this line)
- [CFC vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-wtw/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CFC vs WTW Management Liability Insurance](https://spot.insure/compare/cfc-vs-wtw/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-wtw/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

CFC's professional-services package publishes E&O limits up to $10 million and optional CGL, property and cyber; WTW describes professional-liability placement and review.

## Research Scope and Use

Use this comparison to evaluate CFC and WTW for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC combines miscellaneous professional liability with optional CGL, property and cyber, and lists E&O limits up to $10 million. WTW documents professional-liability solutions in FINEX and broker review of policy documents. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW")

## What Is CFC Insurance?

CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is WTW?

WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. [8](https://www.wtwco.com/en-us/industries/manufacturing "Manufacturing") [9](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") [10](https://www.wtwco.com/en-us/solutions/marine "Marine") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K")

[WTW profile](https://spot.insure/insurance-providers/wtw)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [14](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [15](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [16](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [17](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Limits and optional coverage parts

CFC's professional-services policy pairs E&O with optional general liability, property and cyber; its brochure lists an E&O maximum of $10 million, a $6 million CGL maximum and a $5 million umbrella maximum. WTW describes professional-liability placements but the reviewed record does not publish buyer-specific limits. If you need a higher E&O layer or combined lines, ask CFC how the limits apply together and ask WTW for the proposed schedule. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K")

### Profession fit and access

CFC names favored professions such as consultants, event organizers and freight brokers and lists categories it ordinarily declines, including lawyers, insurance agents and financial advisers. It says the product can be submitted through brokers or traded through Connect and API partners. WTW's record describes an intermediary role and a residential E&O segment; ask each broker whether your profession is eligible and which channel can submit it. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask CFC which profession category, exclusions, E&O limit and add-ons apply, especially if you work in a listed declined field. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

- Ask WTW which professional-services segment and issuing insurer fit your work, and request the proposed limit schedule. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)")

## Offering Details

| Criteria | CFC Professional Services | WTW Professional Errors and Omissions Brokerage |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](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..) | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement..) |
| Issuing Insurer | The reviewed professional liability page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Professional liability product page and professions brochure 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 this product would need to come from the quote or declarations..) | The reviewed WTW sources do not identify an issuing insurer for a specific professional errors omissions placement. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") (Evidence: Not publicly disclosed; scope: This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy..) |
| 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. [6](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..) | Confirm in your quote. |
| 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. [6](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. [6](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..) | WTW's FY2024 annual report describes professional-liability solutions within FINEX; its residential practice lists errors-and-omissions among financial lines for residential real-estate stakeholders. [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") (Evidence: Company-reported; scope: The report is historical and group-level; the residential E&O reference is segment-specific and based on retained official indexed text. Neither establishes current terms or eligibility outside that segment..) |
| 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. [6](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 reviewed sources do not state a buyer-specific professional errors omissions limit, retention, or deductible. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [12](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [11](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") (Evidence: Not publicly disclosed; scope: No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control..) |
| Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording..) |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole..) | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. [13](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line..) |
| Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product..) | Confirm in your quote. |

## Full Comparison

- [CFC vs WTW](https://spot.insure/compare/cfc-vs-wtw): 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 vs WTW Cyber Insurance](https://spot.insure/compare/cfc-vs-wtw/cyber)
- [CFC vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-wtw/employment-practices)
- [CFC vs WTW Management Liability Insurance](https://spot.insure/compare/cfc-vs-wtw/management-liability)
- [AIG vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cfc/professional-errors-omissions)
- [AIG vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-wtw/professional-errors-omissions)
- [Alliance Risk vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/professional-errors-omissions)
- [Alliance Risk vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/professional-errors-omissions)
- [Aon vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-cfc/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [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.
6. [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.
7. [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.

### WTW

8. [Manufacturing](https://www.wtwco.com/en-us/industries/manufacturing). WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
9. [Digital Infrastructure Protector](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector). WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
10. [Marine](https://www.wtwco.com/en-us/solutions/marine). WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
11. [Residential | WTW](https://www.wtwco.com/en-us/industries/residential). WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old.. Accessed 2026-09-29.
12. [WTW 2024 Form 10-K](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm). U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29.. Accessed 2026-09-29.
13. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked.. Accessed 2026-09-28.

### Professional Liability (E&O) Insurance Guide

14. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
15. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
16. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
17. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## CFC Reviews

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cfc/reviews).

## WTW Reviews

Review Score: 8.1 / 10 from 1 rated source, equally weighted.

WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.

- BBB: Complaints 4. BBB's Willis Towers Watson Chicago business profile; four complaints displayed for the preceding three years as of 2026-09-29. All four are marked unpursuable; displayed matters concern pension or employee-benefit administration, not commercial insurance brokerage placements. Period: Last three years; 0 closed in the last 12 months; BBB page reviewed 2026-09-29. Checked 2026-09-29. [Willis Towers Watson: Complaints](https://www.bbb.org/us/il/chicago/profile/insurance-companies/willis-towers-watson-0654-8000152/complaints)
- J.D. Power: 2017 Overall Broker Customer Satisfaction Index 807 (out of 1000). US/Canada large-commercial broker customer-satisfaction studies, 2016 and 2017 editions. They do not describe present service or WTW small-business clients. The 2017 release reports 2,506 evaluations across the study, not a WTW-specific sample. Period: 2017 study; 2 Power Circles; 2,506 study-wide evaluations, WTW-specific count not stated. Checked 2026-09-29. [2016 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2016244_large_comm_insurance_.pdf); [2017 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2017222_large_commercial_insurance.pdf); [2016 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2016-large-commercial-insurance-study); [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, J.D. Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Global wtwco.com company page; nine reviews and a 2.1/5 TrustScore on 2026-09-29. Visible reviews predominantly concern pensions, employee benefits, investments or international consumer interactions; not a US commercial-insurance buyer sample. Period: Displayed 2026-09-29. Checked 2026-09-29. [wtwco.com Reviews](https://www.trustpilot.com/review/www.wtwco.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/wtw/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-wtw/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)