AIG vs CFC: General Liability Insurance | Montgomery Risk Partners

CFC’s combined property-casualty product lists GL exposures and a casualty limit up to $6 million, with specific declined classes; AIG describes selected programs.

What Are the Key Differences Between AIG and CFC General Liability Insurance?

Package Scope and Published Limit

CFC describes general liability as part of a property-and-casualty policy and lists products-completed operations, pollution, tenants' legal liability and third-party injury and property damage. Its brochure shows casualty limits up to $6 million. AIG lists GL only within selected programs and does not publish limits in its overview. Businesses comparing terms should separate CFC's casualty limit from its property limit and request AIG's named-program schedule. [1] [5]

Industry Appetite and Claims

CFC favors manufacturers, distributors, e-commerce, retail and non-manual professional services while ordinarily declining manual contractors, bars, aviation and other listed classes. AIG's program directory names niche audiences but does not provide a universal eligibility rule. A buyer should disclose its actual trade and operations to both and check CFC's claims-service description against the AIG administrator's claims process. [1] [5]

What Should You Confirm in AIG and CFC General Liability Insurance Quotes?

Does CFC accept the specific class and what casualty limit applies separately from property? [1] [5]
Which AIG program accepts the trade and what policy terms and claims support apply? [1] [5]

Provider coverage details

AIG

role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

CFC

role: CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.company-reportedSource ↗Source ↗
insurer: The reviewed property & casualty 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. Property & casualty product page and 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.not-disclosedSource ↗Source ↗
coverage: The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued.company-reportedSource ↗
coverage: CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.company-reportedSource ↗
limits: CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. Brochure's "Limits" section; the limit actually issued depends on underwriting.company-reportedSource ↗
eligibility: CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.company-reportedSource ↗
claims: CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit.company-reportedSource ↗

Sources and records

01
AIG Programs Insurance
AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30
02
Commercial Insurance Guide
California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16
03
Claims
CFC · Specialty: "We've handled and paid tens of thousands of professional indemnity and general liability claims for businesses of all sizes" · accessed 2026-09-23
04
Property & casualty
CFC · Our property & casualty products: Property & casualty tile description; downloads (brochure, application form) · accessed 2026-09-23
05
Property & casualty | Product brochure | United States
CFC · At a glance; General liability; Bodily injury and property damage liability; Personal and advertising liability; Limits; What we love; What we ordinarily decline; Coverage enhancements · accessed 2026-09-23
06
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
07
Commercial General Liability Coverage Form
ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16