CFC vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?
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. 6,7
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Underlying Lines
CFC says one excess policy can sit above professional liability, general liability, cyber, or a combination of those primary policies, regardless of whether CFC placed them. Zurich’s separate Excess Claims Made Facility is described for casualty coverage and may consider customized wording. Ask CFC which combination and attachments its form accepts and ask Zurich which casualty policies can participate in the facility. 5 8
Primary Insurer and Facility Participants
CFC says its layer can sit above a primary policy from CFC or another insurer. Zurich’s facility is shared by Zurich, Chubb, and National Indemnity, with terms and capacity shared among them. Ask CFC which carrier issues your specific layer and Zurich which facility participant will issue the quote, then check how each coordinates with the primary insurer. 5 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
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. Umbrella and Excess Liability Insurance Compared
CFC vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 5Company-reported. Umbrella cover product page description of what the policy tops up. | Confirm in your quote. |
| Issuing Insurer | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | Confirm in your quote. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Confirm in your quote. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 5Company-reported. Umbrella cover product page. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 5Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | Confirm in your quote. |
Related Pages for CFC vs Zurich U.S. Umbrella and Excess Liability
Umbrella and Excess Liability Insurance Pages for CFC and Zurich U.S.
Other Coverage Lines Compared for CFC vs Zurich U.S.
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for CFC vs Zurich U.S. Umbrella and Excess 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. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. 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.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
