CFC vs CNA: General Liability Insurance

CFC combines GL with commercial property in one policy and lists a casualty limit of up to $6 million. CNA describes GL for smaller, mid-sized and large companies, with industry-specific underwriting and risk-control support and claims professionals.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

CFC describes GL as part of a Property & Casualty policy with commercial property and publishes a casualty limit up to $6 million. CNA identifies GL solutions across company sizes, without a comparable limit in its reviewed summary. Buyers should compare the limit and package schedule against CNA’s quote-specific structure.

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

Eligibility and Buying Route

CFC describes GL as part of a Property & Casualty policy with commercial property and publishes a casualty limit up to $6 million. CNA identifies GL solutions across company sizes, without a comparable limit in its reviewed summary. [3] [4] [5] Buyers should compare the limit and package schedule against CNA’s quote-specific structure. [5]

Coverage Scope and Terms

CFC lists products and completed operations, pollution, hired and non-owned auto costs, employee-benefit liability and medical expenses in the GL portion; it also names classes it favors and declines. CNA describes third-party bodily injury and property damage with industry-specific support. [4] [5] The fit depends on class eligibility and which related coverages are needed. [5]

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

  • Ask CFC how its casualty limit is shared within the combined policy. [4]

  • Ask CNA for available limits and whether auto or employee-benefit coverage is included. [5]

  • Check your business class against CFC’s stated appetite and CNA’s underwriting route. [4] [5]

Provider coverage details

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 ↗

CNA

  • coverage: CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Sources and records

  1. 01
    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

  2. 02
    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

  3. 03
    Property & casualty

    CFC · Our property & casualty products: Property & casualty tile description; downloads (brochure, application form) · accessed 2026-09-23

  4. 04
    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

  5. 05
    Commercial General Liability Insurance | CNA Insurance

    CNA · Commercial General Liability; customer sizes, coverage, teams · accessed 2026-09-28

  6. 06
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  7. 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

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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