CFC vs Counterpart: General Liability Insurance

Counterpart pairs general liability with professional policies for law firms and miscellaneous professional firms through wholesale brokers; CFC’s product combines GL and property with casualty limits up to $6 million.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

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

What the Published Scope Emphasizes

Counterpart ties GL to its professional products for miscellaneous professional firms and lawyers, and says those coverages carry separate limits. CFC’s published property-and-casualty material discusses casualty capacity and appetite, but the reviewed figures are not necessarily a GL limit. Professional buyers can ask Counterpart about its companion form; CFC buyers should have the broker identify which figures and terms apply to general liability specifically. [3] [8]

Placement, Limits, and Service Details

Counterpart’s wholesale broker can quote different limits and retentions. CFC’s material includes claims-volume and appetite information, which can inform the placement discussion but does not determine a buyer’s terms. Request the issuing insurer, GL-specific declarations and any professional coverage schedule from each. Confirm whether aggregates are shared and what application information CFC needs for the particular operation. [3] [8]

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

  • Do CFC’s published casualty limits apply to GL, and which insurer and form would be quoted? [3]
  • What Counterpart professional class qualifies for companion GL with separate limits? [8]

Counterpart describes companion GL and separate limits for professional firms; CFC’s casualty appetite and figures require specific to this coverage confirmation.

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
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  6. 06
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  7. 07
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  8. 08
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  9. 09
    Commercial general liability insurance

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

  10. 10
    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

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 ↗

Counterpart

  • role: Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. This is the program channel, not evidence Counterpart itself bears insured liability.company-reportedSource ↗Source ↗
  • coverage: Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses.company-reportedSource ↗Source ↗
  • eligibility: The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. The class scope on these product pages does not establish availability to other businesses or in every state.company-reportedSource ↗Source ↗
  • limits: Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy.company-reportedSource ↗

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

Contact Montgomery Risk Partners