What Are the Alternatives to CFC Business Insurance?

CFC suits startups and growing firms needing specialty technology, cyber or management-liability coverage through an intermediary; buyers seeking a direct insurer should compare online carriers.

What Should You Weigh When Choosing an Alternative to CFC?

CFC is a managing general agent, not the risk-bearing insurer. Its regulatory disclosures identify CFC Underwriting Limited and the US producer CFC USA, Inc., and separately name Lloyd’s Syndicate 1988, so confirm the actual insurer or syndicate named on any CFC quote and ask an alternative the same question. 1,2

CFC’s January 2026 US management-liability brochure lists California-domiciled business and standalone employment practices liability among risks it declines. That restriction is specific to the described management-liability offering, so confirm eligibility state by state and product by product rather than assuming it applies to every CFC line. 4

The reviewed technology brochure, application and Connect broker page don’t disclose a premium, producer commission rate or complete schedule of policy charges. Request a written breakdown of premium, taxes, fees and intermediary compensation from CFC and any alternative before purchase. 5,6,7

The reviewed Connect and technology application pages don’t specify a renewal timetable, certificate turnaround or dedicated account-management commitment. Confirm these servicing arrangements with the placing broker for CFC and any alternative. 7,6

CFC Alternatives for Commercial Property Insurance

  • AIG Commercial Property / Retail Property

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  • Alliance Risk arranges property insurance.

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  • Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.

    Reliability Score6.7/ 10
  • Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.

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  • BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.

    Reliability Score7.0/ 10
  • Chubb offers commercial property insurance.

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  • Coverdash lists commercial property in its coverage catalog.

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  • Embroker offers help obtaining commercial property insurance and invites property quote requests.

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  • ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.

    Reliability Score5.8/ 10
  • Founder Shield lists property insurance among its core offerings.

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  • Commercial property product page.

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  • Gallagher arranges commercial property insurance for small businesses.

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  • Harper lists commercial property insurance and describes approaching insurance companies for customers.

    Reliability Score5.9/ 10
  • Heffernan arranges commercial property insurance.

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  • HUB International arranges commercial property insurance.

    Reliability Score5.5/ 10
  • Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.

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  • As of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite.

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  • Lockton arranges commercial property insurance.

    Reliability Score5.6/ 10
  • Markel commercial property

    Reliability Score7.1/ 10
  • Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.

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  • Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.

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  • As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values.

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  • Relm lists commercial property insurance for placement through brokers.

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  • Risklytics arranges commercial property insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • Offered as part of a BOP, rather than as a standalone policy.

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  • StartupInsurance.ai arranges commercial property insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges commercial property insurance for small businesses.

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  • Listed for real-estate, professional-services and other named commercial sectors.

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  • The Hartford offers commercial property insurance.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers commercial property insurance.

    Reliability Score6.1/ 10
  • USI arranges commercial property insurance.

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  • As of September 16, 2026, Vouch lists business property for health care and life sciences programs.

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  • As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses.

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  • WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation.

    Reliability Score7.0/ 10
  • Zurich markets commercial property insurance.

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CFC Alternatives for Crime Insurance

  • AIG Crime Insurance / CrimeGuard Choice

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  • Alliance Risk arranges crime insurance.

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  • Amelia Risk arranges employee crime (fidelity) insurance.

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  • Aon lists crime within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.

    Reliability Score6.7/ 10
  • Beazley offers commercial crime insurance.

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  • BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.

    Reliability Score7.0/ 10
  • Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations.

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  • named Management Liability coverage and configurable Epack 3 component

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  • Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.

    Reliability Score6.2/ 10
  • Corgi lists crime insurance among its main policies.

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  • Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.

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  • Coverdash lists crime coverage in its catalog and invites quote requests.

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  • Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.

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  • Embroker lists commercial crime and offers a corresponding quote path.

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  • Founder Shield lists crime insurance among its core offerings.

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  • Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.

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  • Gallagher arranges crime insurance.

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  • Heffernan arranges crime insurance.

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  • HUB International arranges commercial crime insurance.

    Reliability Score5.5/ 10
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  • Lockton arranges commercial crime insurance.

    Reliability Score5.6/ 10
  • Markel Cyber 360 eCrime component (standalone product not established)

    Reliability Score7.1/ 10
  • Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance.

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  • Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here.

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  • As of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services.

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  • Relm lists crime insurance for placement through brokers.

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  • RiskCube arranges commercial crime insurance for startups.

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  • StartupInsurance.ai arranges commercial crime insurance for startups.

    Reliability Score4.9/ 10
  • Listed as commercial crime or crime/fidelity within specified sectors.

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  • The Hartford offers crime insurance as a management-liability coverage option.

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  • Travelers offers commercial crime insurance.

    Reliability Score6.1/ 10
  • USI arranges crime insurance.

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  • As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.

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  • WTW’s 2024 annual report describes crime insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.

    Reliability Score7.0/ 10
  • Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.

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CFC Alternatives for Cyber Insurance

  • AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)

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  • Alliance Risk arranges cyber liability insurance.

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  • Amelia Risk arranges cyber insurance.

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  • Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.

    Reliability Score6.7/ 10
  • At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.

    Reliability Score6.2/ 10
  • Beazley offers cyber insurance for small and midsized businesses.

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  • BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.

    Reliability Score7.0/ 10
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  • Chubb offers cyber insurance.

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  • Coalition offers cyber insurance.

    Reliability Score6.2/ 10
  • Corgi lists cyber insurance among its business insurance offerings.

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  • Coverdash lists cyber insurance in its coverage catalog.

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  • Cowbell offers standalone and excess cyber products through its insurance-agency business.

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  • Embroker lists cyber insurance with a quote route.

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  • Founder Shield lists cyber liability among its core offerings.

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  • Cyber product page; policy terms and limits not established.

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  • Gallagher arranges cyber insurance.

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  • Harper lists cyber insurance and describes approaching insurers for customers.

    Reliability Score5.9/ 10
  • Heffernan arranges cyber insurance.

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  • Hiscox offers cyber insurance for small businesses.

    Reliability Score6.1/ 10
  • HUB International arranges cyber insurance.

    Reliability Score5.5/ 10
  • Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.

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  • Kinro lists cyber liability and compares business details with carrier appetite.

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  • Lockton arranges cyber insurance.

    Reliability Score5.6/ 10
  • Markel Cyber 360

    Reliability Score7.1/ 10
  • Marsh arranges cyber insurance.

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  • Mylo invites cyber insurance quote requests and compares policies from multiple insurers.

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  • Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.

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  • Newfront places cyber insurance, negotiates policy wording and provides claims consultation.

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  • Pie provides access to cyber insurance quotes from carrier partners.

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  • Relm lists cyber insurance for placement through brokers.

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  • Resilience markets cyber insurance on a primary or excess basis.

    Reliability Score5.0/ 10
  • RiskCube arranges cyber insurance for startups.

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  • Risklytics arranges cyber insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • Add-on for select buyers purchasing another business policy; phone quote route.

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  • StartupInsurance.ai arranges cyber insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges cyber insurance for small businesses.

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  • Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.

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  • The Hartford offers cyber insurance and data-breach coverage.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.

    Reliability Score6.1/ 10
  • USI arranges cyber insurance.

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  • Vouch lists cyber liability in its technology-company programs.

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  • WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.

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  • WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.

    Reliability Score7.0/ 10
  • Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.

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CFC Alternatives for D&O Insurance

  • AIG Directors & Officers Liability

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  • Alliance Risk arranges directors and officers liability insurance.

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  • Amelia Risk arranges directors and officers liability.

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  • Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement.

    Reliability Score6.7/ 10
  • Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.

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  • Executive First D&O liability materials describe separate public-company and private-company products.

    Reliability Score7.0/ 10
  • Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront.

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  • Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.

    Reliability Score6.2/ 10
  • Corgi lists directors and officers insurance among its business insurance offerings.

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  • Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.

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  • Coverdash lists directors and officers insurance in its coverage catalog.

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  • Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.

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  • Embroker lists directors and officers insurance with a quote route.

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  • Founder Shield lists directors and officers insurance among its core offerings.

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  • Gallagher arranges directors and officers liability.

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  • Heffernan arranges directors and officers liability.

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  • HUB International arranges directors and officers liability insurance.

    Reliability Score5.5/ 10
  • Kinro lists directors and officers insurance and compares business details with carrier appetite.

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  • Lockton arranges directors and officers liability insurance.

    Reliability Score5.6/ 10
  • Markel private and nonprofit D&O

    Reliability Score7.1/ 10
  • Marsh arranges directors and officers liability insurance.

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  • Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.

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  • Newfront lists D&O for private and public companies within its executive-risk services.

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  • Relm lists directors and officers liability for placement through brokers.

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  • RiskCube arranges directors and officers liability insurance for startups.

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  • Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • StartupInsurance.ai arranges directors and officers liability insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges directors and officers liability insurance for small businesses.

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  • Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs.

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  • The Hartford offers directors and officers liability for private, public and nonprofit organizations.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers directors and officers liability insurance.

    Reliability Score6.1/ 10
  • USI arranges directors and officers liability insurance.

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  • Vouch lists directors and officers insurance in its technology-company programs.

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  • WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support.

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  • Zurich markets directors and officers liability insurance.

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CFC Alternatives for Employment Practices Liability Insurance

  • AIG Employment Practices Liability Insurance

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  • Alliance Risk arranges employment practices liability insurance.

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  • Amelia Risk arranges employment practices liability.

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  • Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.

    Reliability Score6.7/ 10
  • Beazley offers employment practices liability insurance for private organizations through ExecuGuard.

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  • BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.

    Reliability Score7.0/ 10
  • Chubb offers employment practices liability insurance.

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  • Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.

    Reliability Score6.2/ 10
  • Corgi lists employment practices liability among its business-insurance offerings.

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  • Named Employment Practices Liability product; examples and policy terms govern.

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  • Coverdash lists employment practices coverage in its quote catalog.

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  • Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.

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  • Embroker offers quotes for employment practices liability as an individual coverage.

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  • Founder Shield lists employment practices liability among its core coverage services.

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  • Gallagher arranges employment practices liability.

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  • Heffernan arranges employment practices liability.

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  • HUB International arranges employment practices liability insurance.

    Reliability Score5.5/ 10
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  • Lockton arranges employment practices liability insurance.

    Reliability Score5.6/ 10
  • Markel employment practices liability

    Reliability Score7.1/ 10
  • Marsh arranges employment practices liability insurance.

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  • Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.

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  • Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.

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  • Relm lists employment practices liability for placement through brokers.

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  • RiskCube arranges employment practices liability insurance for startups.

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  • StartupInsurance.ai arranges employment practices liability insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges employment practices liability insurance for small businesses.

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  • Listed as employment-practices liability for the named commercial sector examples.

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  • The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers employment practices liability insurance.

    Reliability Score6.1/ 10
  • USI arranges employment practices liability insurance.

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  • Vouch lists employment practices liability within its insurance programs for technology companies.

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  • WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.

    Reliability Score7.0/ 10
  • Zurich markets Employment Practices Liability Insurance (EPLI).

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CFC Alternatives for Fiduciary Liability Insurance

  • AIG Fiduciary Liability Insurance / Fiduciary Edge

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  • Alliance Risk arranges fiduciary liability insurance.

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  • Amelia Risk arranges fiduciary liability.

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  • Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.

    Reliability Score6.7/ 10
  • Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.

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  • BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.

    Reliability Score7.0/ 10
  • Chubb offers fiduciary liability insurance.

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  • Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.

    Reliability Score6.2/ 10
  • Corgi lists fiduciary liability in its coverage catalog and package options.

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  • Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.

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  • Coverdash lists fiduciary coverage in its coverage hub.

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  • Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.

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  • Embroker lists fiduciary liability with a quote route.

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  • Founder Shield lists fiduciary liability among its core coverages.

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  • Gallagher arranges fiduciary liability.

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  • Heffernan arranges fiduciary liability.

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  • HUB International arranges fiduciary liability insurance.

    Reliability Score5.5/ 10
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  • Lockton arranges fiduciary liability insurance.

    Reliability Score5.6/ 10
  • Markel fiduciary liability

    Reliability Score7.1/ 10
  • Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance.

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  • Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.

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  • Newfront lists fiduciary coverage among its executive-risk brokerage services.

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  • Relm lists fiduciary liability for placement through brokers.

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  • RiskCube arranges fiduciary liability insurance for startups.

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  • StartupInsurance.ai arranges fiduciary liability insurance for startups.

    Reliability Score4.9/ 10
  • Listed as fiduciary liability for named commercial-sector audiences.

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  • The Hartford offers fiduciary liability as a management-liability coverage option.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers fiduciary liability insurance.

    Reliability Score6.1/ 10
  • USI arranges fiduciary liability insurance.

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  • Zurich markets fiduciary liability insurance.

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CFC Alternatives for General Liability Insurance

  • AIG Programs general liability (three separate program scopes)

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  • Alliance Risk arranges general liability insurance.

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  • Amelia Risk arranges general liability insurance.

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  • Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.

    Reliability Score6.7/ 10
  • Beazley offers general liability insurance in packages such as its environmental-services policy.

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  • BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.

    Reliability Score7.0/ 10
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  • Chubb offers general liability insurance within its commercial package products.

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  • Corgi lists commercial general liability among its business insurance offerings.

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  • Coterie offers general liability policies for small businesses through its partner distribution.

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  • GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.

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  • Coverdash lists general liability in its Core Business coverage catalog with a quote route.

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  • Embroker offers a general liability quote route among its individual business coverages.

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  • ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.

    Reliability Score5.8/ 10
  • Founder Shield lists general liability among its core coverage offerings.

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  • Company CGL product page; line-specific CGL membership only.

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  • Gallagher arranges general liability insurance for small businesses.

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  • Harper lists general liability in its business-insurance services and quote inquiry.

    Reliability Score5.9/ 10
  • Heffernan arranges general liability insurance.

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  • Hiscox offers general liability insurance for small businesses.

    Reliability Score6.1/ 10
  • HUB International arranges general liability insurance.

    Reliability Score5.5/ 10
  • Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.

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  • Kinro lists general liability and compares available carrier options.

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  • Lockton arranges general liability insurance.

    Reliability Score5.6/ 10
  • Markel small-business casualty and property

    Reliability Score7.1/ 10
  • Marsh arranges general liability insurance, including for data centers.

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  • Mylo compares general liability quotes from insurance carriers and also offers package options.

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  • Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.

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  • Newfront includes general liability in its casualty placement services.

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  • Pie arranges general liability insurance through unaffiliated third-party insurers.

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  • Relm lists general liability insurance for placement through brokers.

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  • RiskCube arranges general liability insurance for startups.

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  • Risklytics arranges general liability insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
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  • StartupInsurance.ai arranges general liability insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges general liability insurance for small businesses.

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  • Listed as general liability for professional-services clients and as a consideration for other named business sectors.

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  • The Hartford offers general liability insurance.

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  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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  • Travelers offers general liability insurance.

    Reliability Score6.1/ 10
  • USI arranges general liability insurance.

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  • Vouch lists general liability among the core coverages in its technology-company programs.

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  • WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses.

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  • Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.

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CFC Alternatives for Intellectual Property Insurance

  • Alliance Risk arranges intellectual-property insurance for technology businesses.

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  • Founder Shield arranges intellectual property insurance.

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  • Gallagher arranges intellectual-property insurance.

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  • Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance.

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  • Newfront’s life-science team arranges IP insurance contracts for life-science and technology clients.

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  • Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • Listed as intellectual-property liability in the professional-services coverage snapshot.

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CFC Alternatives for Kidnap and Ransom Insurance

  • AIG CrisiSolution K&R and extortion

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  • Aon lists kidnap and ransom within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.

    Reliability Score6.7/ 10
  • Chubb offers kidnap and ransom insurance.

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  • named Management Liability coverage and configurable Epack 3 component

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  • Corgi lists kidnap and ransom among its specialized business-insurance offerings.

    Reliability Score
  • Coverdash lists kidnap and ransom in its Cyber & Crime coverage catalog with a quote route.

    Reliability Score
  • Gallagher arranges kidnap and ransom insurance.

    Reliability Score
  • Heffernan arranges kidnap and ransom insurance.

    Reliability Score
  • HUB International arranges kidnap and ransom insurance.

    Reliability Score5.5/ 10
  • Reliability Score
  • Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance.

    Reliability Score
  • Reliability Score
  • Newfront lists kidnap and ransom among its executive-risk coverage services.

    Reliability Score
  • Relm lists kidnap and ransom insurance for placement through brokers.

    Reliability Score
  • Listed under professional and specialty risk on the real-estate page; no terms or eligibility are specified.

    Reliability Score
  • The Hartford lists kidnap and ransom/extortion among its management-liability coverage options.

    Reliability Score
  • Travelers offers kidnap and ransom insurance.

    Reliability Score6.1/ 10
  • USI arranges kidnap and ransom insurance.

    Reliability Score

CFC Alternatives for Management Liability Insurance

  • AIG Programs Management Liability for private and non-profit companies with revenue up to $50 million; listed components are D&O, EPL and fiduciary liability.

    Reliability Score
  • Alliance Risk advises on management-liability packages and standalone options.

    Reliability Score
  • Aon describes management liability in its global Professional Services Practice as a partnership program for law, accounting and consulting firms, rather than a standalone line; U.S. availability and specific policy terms are not established.

    Reliability Score6.7/ 10
  • Beazley offers management liability insurance for private organizations through ExecuGuard.

    Reliability Score
  • Chubb offers management liability insurance.

    Reliability Score
  • Reliability Score
  • Coverdash arranges management liability insurance.

    Reliability Score
  • Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.

    Reliability Score
  • Embroker markets a management insurance suite for private companies.

    Reliability Score
  • Harper arranges management liability insurance through its partner brokerage service.

    Reliability Score5.9/ 10
  • Heffernan arranges management liability insurance.

    Reliability Score
  • HUB International arranges management liability insurance through its professional and executive risk practice.

    Reliability Score5.5/ 10
  • Reliability Score
  • Markel management liability

    Reliability Score7.1/ 10
  • Marsh arranges management liability insurance.

    Reliability Score
  • Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred.

    Reliability Score
  • Newfront arranges management liability insurance for private and public companies.

    Reliability Score
  • Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs.

    Reliability Score
  • The Hartford offers management-liability packages, including Private Choice Premier.

    Reliability Score
  • Travelers offers management liability insurance.

    Reliability Score6.1/ 10
  • USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance.

    Reliability Score
  • WTW’s 2024 annual report describes management-liability solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.

    Reliability Score7.0/ 10
  • Zurich markets a management liability portfolio with multiple distinct lines.

    Reliability Score

CFC Alternatives for Media Liability Insurance

  • AIG Media Content and Publishers & Broadcasters liability (distinct descriptions)

    Reliability Score
  • Alliance Risk arranges media and advertising liability insurance.

    Reliability Score
  • Beazley offers media liability insurance through MediaTech for small technology and business-services companies.

    Reliability Score
  • BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.

    Reliability Score7.0/ 10
  • Chubb offers media liability insurance through DigiTech ERM for technology companies.

    Reliability Score
  • component of Epack 3 package

    Reliability Score
  • Coalition identifies media liability within its Active Cyber policy.

    Reliability Score6.2/ 10
  • Corgi lists media liability insurance among its coverage offerings.

    Reliability Score
  • Coverdash arranges media liability insurance.

    Reliability Score
  • Founder Shield arranges media liability insurance for content creators.

    Reliability Score
  • Markel Cyber 360 media liability component (standalone product not established)

    Reliability Score7.1/ 10
  • Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance.

    Reliability Score
  • Reliability Score
  • Relm lists media liability insurance for placement through brokers.

    Reliability Score
  • Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies.

    Reliability Score6.1/ 10

CFC Alternatives for Product Liability Insurance

  • AIG Aviation Product Liability

    Reliability Score
  • Alliance Risk arranges product liability insurance.

    Reliability Score
  • Amelia Risk arranges product liability insurance for consumer-product businesses.

    Reliability Score
  • Beazley offers product liability insurance for middle-to-large life-sciences organizations.

    Reliability Score
  • BHSI lists primary products and completed-operations liability as a casualty product.

    Reliability Score7.0/ 10
  • Reliability Score
  • Coverdash lists product liability in its Excess & Specialty catalog with a quote route.

    Reliability Score
  • Embroker lists product liability insurance for companies that produce, distribute or sell products.

    Reliability Score
  • Founder Shield lists product liability insurance.

    Reliability Score
  • Gallagher arranges product liability insurance.

    Reliability Score
  • Harper includes product liability in its coverage directory.

    Reliability Score5.9/ 10
  • HUB International arranges product liability insurance.

    Reliability Score5.5/ 10
  • Lockton arranges product liability insurance.

    Reliability Score5.6/ 10
  • Markel products liability

    Reliability Score7.1/ 10
  • Newfront lists product liability among its casualty placement coverages.

    Reliability Score
  • Relm lists product liability insurance for placement through brokers.

    Reliability Score
  • StartupInsurance.ai arranges product liability insurance for startups.

    Reliability Score4.9/ 10
  • USI arranges product liability insurance.

    Reliability Score
  • Vouch lists product liability among the core coverages in its technology-company programs.

    Reliability Score
  • WithCoverage includes product liability in its consumer insurance-program review services.

    Reliability Score

CFC Alternatives for Product Recall Insurance

  • AIG Multinational and Talbot market multinational Product Recall Insurance for named component-part, consumer-goods/topical/consumer-health and finished-goods segments; not an unrestricted U.S. standalone product, and the flyer does not resolve a specific policy issuer, account terms or jurisdiction-specific availability.

    Reliability Score
  • Alliance Risk arranges product recall insurance.

    Reliability Score
  • Amelia Risk arranges product-recall insurance for consumer-product businesses.

    Reliability Score
  • Beazley offers product recall insurance through its manufacturing risk product.

    Reliability Score
  • Chubb offers product recall insurance for businesses handling finished consumer goods.

    Reliability Score
  • Coverdash lists product recall in its Excess & Specialty catalog with a quote route.

    Reliability Score
  • Gallagher arranges product-recall insurance.

    Reliability Score
  • HUB International arranges product recall insurance.

    Reliability Score5.5/ 10
  • Newfront includes product recall in the life-science insurance programs it designs.

    Reliability Score
  • WithCoverage includes product recall in its consumer insurance-program review services.

    Reliability Score

CFC Alternatives for Professional Liability (E&O) Insurance

  • AIG entity-based Professional Liability / Specialty Professional E&O

    Reliability Score
  • Alliance Risk arranges professional liability insurance.

    Reliability Score
  • Amelia Risk arranges professional errors and omissions insurance for startups.

    Reliability Score
  • Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.

    Reliability Score6.7/ 10
  • At-Bay offers primary miscellaneous professional liability insurance.

    Reliability Score6.2/ 10
  • Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.

    Reliability Score
  • Professional First materials describe a professional-liability portfolio with several professions and service types.

    Reliability Score7.0/ 10
  • Reliability Score
  • Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.

    Reliability Score
  • currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component

    Reliability Score
  • Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.

    Reliability Score6.2/ 10
  • Corgi lists miscellaneous errors and omissions coverage for service-based businesses.

    Reliability Score
  • Coterie lists miscellaneous professional liability for eligible small businesses in participating states.

    Reliability Score
  • Several separately scoped professional-liability programs; do not generalize terms across professions.

    Reliability Score
  • Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.

    Reliability Score
  • Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.

    Reliability Score
  • ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.

    Reliability Score5.8/ 10
  • Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.

    Reliability Score
  • Professional E&O product page.

    Reliability Score
  • Gallagher arranges professional errors and omissions insurance for small businesses.

    Reliability Score
  • Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.

    Reliability Score5.9/ 10
  • Heffernan arranges professional errors and omissions insurance for small businesses.

    Reliability Score
  • Hiscox offers professional errors and omissions insurance for small businesses.

    Reliability Score6.1/ 10
  • HUB International arranges professional errors and omissions insurance.

    Reliability Score5.5/ 10
  • Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.

    Reliability Score
  • Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.

    Reliability Score
  • Reliability Score
  • Lockton arranges professional errors and omissions insurance.

    Reliability Score5.6/ 10
  • Markel ProBiz miscellaneous E&O

    Reliability Score7.1/ 10
  • Marsh arranges professional errors and omissions insurance.

    Reliability Score
  • Reliability Score
  • Mylo compares professional liability quotes for claims from clients unhappy with professional services.

    Reliability Score
  • Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.

    Reliability Score
  • Newfront lists errors and omissions among its executive-risk coverage services.

    Reliability Score
  • Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.

    Reliability Score
  • Relm lists professional errors and omissions insurance for placement through brokers.

    Reliability Score
  • Reliability Score
  • StartupInsurance.ai arranges professional errors and omissions insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges professional errors and omissions insurance for small businesses.

    Reliability Score
  • Listed as professional liability/E&O for professional-services and government-contractor audiences.

    Reliability Score
  • The Hartford offers professional liability insurance for service businesses.

    Reliability Score
  • Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

    Reliability Score
  • Travelers offers professional errors and omissions insurance.

    Reliability Score6.1/ 10
  • USI arranges professional errors and omissions insurance.

    Reliability Score
  • Vouch lists errors and omissions among the core coverages in its professional-services programs.

    Reliability Score
  • WithCoverage includes errors and omissions in its technology insurance-program review services.

    Reliability Score
  • WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.

    Reliability Score7.0/ 10
  • Zurich markets professional errors and omissions insurance.

    Reliability Score

CFC Alternatives for Representations and Warranties Insurance

  • AIG Representations & Warranties Insurance

    Reliability Score
  • Beazley offers representations and warranties insurance.

    Reliability Score
  • BHSI lists Representations & Warranties Insurance within its Transactional Liability products.

    Reliability Score7.0/ 10
  • Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies.

    Reliability Score
  • Corgi lists representations and warranties insurance for M&A buyers and sellers.

    Reliability Score
  • Coverdash arranges representations and warranties insurance for mergers and acquisitions.

    Reliability Score
  • Founder Shield lists representations and warranties insurance for mergers and acquisitions.

    Reliability Score
  • Gallagher arranges representations and warranties insurance.

    Reliability Score
  • Heffernan arranges representations and warranties insurance.

    Reliability Score
  • HUB International arranges representations and warranties insurance.

    Reliability Score5.5/ 10
  • Reliability Score
  • Lockton arranges representations and warranties insurance.

    Reliability Score5.6/ 10
  • Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services.

    Reliability Score
  • The M&A practice says its team can negotiate and place representations-and-warranty policies.

    Reliability Score
  • USI arranges representations and warranties insurance.

    Reliability Score

CFC Alternatives for Tech E&O Insurance

  • AIG Technology Services E&O; the page separately identifies coverage for technology-service performance errors or omissions. Membership only, not a detailed accepted Tech E&O offering.

    Reliability Score
  • Alliance Risk arranges technology errors and omissions insurance.

    Reliability Score
  • Amelia Risk arranges technology errors and omissions insurance for technology businesses.

    Reliability Score
  • At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.

    Reliability Score6.2/ 10
  • Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies.

    Reliability Score
  • Professional First materials identify Technology E&O as a professional-liability product.

    Reliability Score7.0/ 10
  • Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.

    Reliability Score
  • Reliability Score
  • Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.

    Reliability Score6.2/ 10
  • Corgi lists technology errors and omissions insurance for technology products and services.

    Reliability Score
  • Coverdash lists technology errors and omissions in its Professional & Management catalog, separately from professional liability.

    Reliability Score
  • Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.

    Reliability Score
  • Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses.

    Reliability Score
  • Technology/creative class within broader E&O; no separate technology form established.

    Reliability Score
  • Gallagher arranges technology errors and omissions insurance for technology businesses.

    Reliability Score
  • HUB International arranges technology errors and omissions insurance.

    Reliability Score5.5/ 10
  • Reliability Score
  • Markel Cyber 360 technology professional liability component (standalone product not established)

    Reliability Score7.1/ 10
  • Marsh arranges technology errors and omissions insurance.

    Reliability Score
  • Newfront lists technology errors and omissions among its cyber-risk placement coverages.

    Reliability Score
  • Relm lists technology errors and omissions insurance for placement through brokers.

    Reliability Score
  • Resilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.

    Reliability Score5.0/ 10
  • RiskCube arranges technology errors and omissions insurance for startups.

    Reliability Score
  • Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • StartupInsurance.ai arranges technology errors and omissions insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.

    Reliability Score
  • The Hartford offers technology errors and omissions coverage through its FailSafe product.

    Reliability Score
  • Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies.

    Reliability Score6.1/ 10
  • USI arranges technology errors and omissions insurance.

    Reliability Score
  • Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

    Reliability Score
  • Zurich markets technology errors and omissions insurance.

    Reliability Score

CFC Alternatives for Umbrella and Excess Liability Insurance

  • AIG Excess Casualty (lead umbrella and mid/high excess)

    Reliability Score
  • Alliance Risk arranges umbrella and excess liability insurance.

    Reliability Score
  • Amelia Risk arranges umbrella and excess liability.

    Reliability Score
  • Aon lists umbrella and excess within construction liability coverage areas; ask whether either applies to your project and jurisdiction.

    Reliability Score6.7/ 10
  • BHSI lists lead umbrella and excess casualty within its U.S. casualty products.

    Reliability Score7.0/ 10
  • Reliability Score
  • Chubb offers umbrella and excess liability insurance.

    Reliability Score
  • Reliability Score
  • Corgi lists commercial umbrella liability insurance.

    Reliability Score
  • Coverdash lists umbrella and excess liability insurance.

    Reliability Score
  • Founder Shield lists umbrella insurance.

    Reliability Score
  • Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.

    Reliability Score
  • Gallagher arranges umbrella and excess liability.

    Reliability Score
  • Harper arranges umbrella insurance.

    Reliability Score5.9/ 10
  • Heffernan arranges excess and umbrella insurance.

    Reliability Score
  • HUB International arranges umbrella and excess liability insurance.

    Reliability Score5.5/ 10
  • Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability.

    Reliability Score
  • Kinro lists umbrella and excess liability insurance.

    Reliability Score
  • Reliability Score
  • Lockton arranges umbrella and excess liability insurance.

    Reliability Score5.6/ 10
  • Markel excess casualty and umbrella

    Reliability Score7.1/ 10
  • Mylo compares commercial umbrella quotes from insurers.

    Reliability Score
  • Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form.

    Reliability Score
  • Newfront arranges umbrella and excess liability insurance through its casualty practice.

    Reliability Score
  • Relm lists excess liability for placement through brokers.

    Reliability Score
  • Risklytics arranges umbrella insurance for robotics, hardware and AI businesses.

    Reliability Score5.4/ 10
  • StartupInsurance.ai arranges umbrella and excess liability insurance for startups.

    Reliability Score4.9/ 10
  • TechInsurance arranges commercial umbrella insurance for small businesses.

    Reliability Score
  • Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy.

    Reliability Score
  • The Hartford lists commercial umbrella insurance among its business coverage options.

    Reliability Score
  • Travelers offers commercial umbrella and excess liability insurance.

    Reliability Score6.1/ 10
  • USI arranges umbrella and excess liability.

    Reliability Score
  • Vouch lists umbrella among core coverages for technology companies.

    Reliability Score
  • WithCoverage includes umbrella coverage in its insurance-program reviews, for example for construction businesses.

    Reliability Score
  • Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.

    Reliability Score

CFC Alternatives for Telehealth Insurance

  • Beazley offers virtual care insurance for digital-health businesses.

    Reliability Score
  • Founder Shield lists virtual care and telehealth insurance for tech-enabled healthcare companies.

    Reliability Score
  • HUB International arranges virtual care insurance for health care organizations.

    Reliability Score5.5/ 10
  • Reliability Score
  • Newfront arranges insurance programs for digital-health and telemedicine businesses.

    Reliability Score

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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