--- title: "CFC Professional Liability (E&O) Insurance" description: "What CFC Professional Liability (E&O) Insurance covers, who it’s for, and its limits and retentions, cited to CFC’s own published sources." canonical: "https://spot.insure/insurance-providers/cfc/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/cfc/professional-errors-omissions) # CFC Professional Liability (E&O) Insurance CFC Professional Services 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. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](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.) ## Issuing Insurer - **Not publicly disclosed.** 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. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (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.) ## 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. [2](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.) ## 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. [2](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.) - 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. [2](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.) ## 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. [2](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.) ## 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. [1](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.) ## 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. [3](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.) ## CFC Professional Liability (E&O) Insurance Compared - [CFC vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-cfc/professional-errors-omissions) - [CFC vs At-Bay](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions) - [CFC vs Beazley](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions) - [CFC vs Chubb](https://spot.insure/compare/cfc-vs-chubb/professional-errors-omissions) - [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition/professional-errors-omissions) - [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi/professional-errors-omissions) ## Other CFC Coverage Lines - [CFC Commercial Property Insurance](https://spot.insure/insurance-providers/cfc/commercial-property) - [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime) - [CFC Cyber Insurance](https://spot.insure/insurance-providers/cfc/cyber) - [CFC D&O Insurance](https://spot.insure/insurance-providers/cfc/directors-officers) - [CFC Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cfc/employment-practices) - [CFC General Liability Insurance](https://spot.insure/insurance-providers/cfc/general-liability) - [CFC Intellectual Property Insurance](https://spot.insure/insurance-providers/cfc/intellectual-property) - [CFC Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/cfc/kidnap-ransom) - [CFC Management Liability Insurance](https://spot.insure/insurance-providers/cfc/management-liability) - [CFC Media Liability Insurance](https://spot.insure/insurance-providers/cfc/media) - [CFC Product Liability Insurance](https://spot.insure/insurance-providers/cfc/product-liability) - [CFC Product Recall Insurance](https://spot.insure/insurance-providers/cfc/product-recall) - [CFC Representations and Warranties Insurance](https://spot.insure/insurance-providers/cfc/representations-warranties) - [CFC Tech E&O Insurance](https://spot.insure/insurance-providers/cfc/technology-errors-omissions) - [CFC Telehealth Insurance](https://spot.insure/insurance-providers/cfc/virtual-care-telehealth) - [CFC Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/cfc/umbrella-excess) ## Related - [CFC Profile](https://spot.insure/insurance-providers/cfc) - [CFC Reliability](https://spot.insure/insurance-providers/cfc/reliability) - [CFC Alternatives](https://spot.insure/insurance-providers/cfc/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources 1. [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. 2. [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. 3. [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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/cfc/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)