CFC vs Foxquilt: General Liability Insurance

Contractors, eCommerce and personal services are classes Foxquilt targets with commercial general liability. CFC combines GL with commercial property and lists a casualty limit of up to $6 million for the policy.

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

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 ↗

Foxquilt

  • role: Foxquilt identifies Commercial General Liability as one of its core business products. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes third-party bodily injury, property damage, personal and advertising injury, and products-completed-operations claim examples. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page names contractors, eCommerce and personal services among target classes and says it writes CGL for additional trades; a buyer’s eligibility still depends on its quote. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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

Published Casualty Capacity and Package Structure

CFC’s brochure lists an up-to-$6-million casualty limit for its Property & Casualty package; that is a published package ceiling, not an individual buyer’s GL limit or quote. Foxquilt’s cited page gives claim examples. Ask CFC for the GL limit on the buyer’s proposal and declarations, then compare it with the limit offered by Foxquilt. [4] [5]

Appetite and Carrier Identity

CFC includes general liability with commercial property in one designed policy and favors classes such as manufacturers, distributors, e-commerce sellers, and retail. Foxquilt’s overview centers on CGL and lists contractors, eCommerce, and personal services among target classes. Businesses wanting property in the same placement can ask CFC how the sections coordinate; buyers comparing liability placements should ask each provider how property coverage is handled in the specific proposal. [3] [4] [5]

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

  • Ask CFC for the GL limit available on your proposal, separately from the package-level casualty ceiling. Ask Foxquilt for the proposed GL limits and any property coverage included. [4] [5]

  • Ask CFC which insurer is named on its proposal and declarations, and ask Foxquilt to identify the issuing insurer on any quote. [3] [4] [5]

CFC packages GL with commercial property and lists up to $6 million as the package casualty limit. Foxquilt describes bodily injury, property damage, advertising injury, and completed-operations claim examples.

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

    Foxquilt · “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. · accessed 2026-09-29

  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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