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. 1,2,3,4
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 8,9
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 11,12,13,14,15,16
Key Differences in Management Liability Insurance
Eligibility evidence hold
CFC’s U.S. brochure lists California-domiciled businesses and publicly traded U.S. companies among risks it declines for the package, and names favored industries. Zurich’s cited locator lists exposure categories only. The published records do not support a like-for-like eligibility comparison, so this candidate remains on hold for that dimension without inferring a Zurich eligibility position. 6 10
Package-component evidence hold
CFC’s brochure names D&O, employment practices, fiduciary and crime coverage, as well as executive cyber, kidnap and ransom, executive reputation protection and court-attendance costs. Zurich’s page lists D&O, EPLI, fiduciary and crime exposures. The cited Zurich locator does not establish whether those additional CFC brochure items are included or excluded in Zurich’s package. The existing record therefore does not support a substantive like-for-like package comparison; keep this dimension on hold without inferring missing Zurich coverage. 5 6 10
What to Confirm in Management Liability Insurance Quotes
- Ask CFC whether your domicile and public-company status fit its stated appetite and request each module, limit, retention and applicable sublimits. 6
- Ask Zurich which D&O, EPLI, fiduciary and crime exposures are relevant to the proposed policy, and request its claims contact and policy-specific terms. 10
CFC and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
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.[4][11]
Read CFC reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsCFC vs Zurich U.S. Management Liability Insurance Compared
CFC vs Zurich U.S.: Management Liability Insurance: documented features by provider
| Criteria | CFC Management Liability | Zurich Management Liability |
|---|---|---|
| Role in This Line | 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. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| Who It’s For | 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. | Zurich says the management-liability suite is designed for public, private and nonprofit companies. 10Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | 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. | Zurich says Management Liability includes D&O, EPLI, fiduciary liability and crime exposures that traditional CGL does not usually address. 10Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | 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. | Confirm in your quote. |
| Risk Services | 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. | Zurich describes a coordinated approach aligning interconnected D&O, employee, fiduciary and crime risks. 10Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; management liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | 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. | Confirm in your quote. |
| Claims Support | 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. | Confirm in your quote. |
Related Pages for CFC vs Zurich U.S. Management Liability Insurance
Management Liability Insurance Pages for CFC and Zurich U.S.
Other Coverage Lines Compared for CFC vs Zurich U.S.
Other Management Liability Insurance Provider Comparisons
Sources for CFC vs Zurich U.S. Management Liability Insurance
Sources About CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC; Meet the team. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Directors and officers cover; Employment practices liability; Executive reputation protection; Executive cyber; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you; Our claims team. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
Sources for the Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
