What Are the Key Differences Between CFC and Zurich U.S. General Liability Insurance?
Package and limits
CFC describes general liability as part of a Property & Casualty policy with commercial property and lists a casualty limit up to $6 million. Zurich says its casualty solutions can be bundled or unbundled but does not publish the limit for your quote. Check whether CFC’s stated ceiling applies to the liability coverage you need and compare Zurich’s actual per-occurrence and aggregate figures. [3] [4] [9]
Coverage scope
CFC’s policy lists products and completed operations, pollution, tenants’ legal liability, hired and non-owned auto costs, employee-benefits liability and medical expenses. Zurich’s overview describes bodily injury, property damage and personal-injury claims connected to premises or operations. The broader CFC list may matter when exposures span multiple categories; verify sublimits and exclusions in both forms. [4] [8]
Risk appetite
CFC says it favors manufacturers, distributors, non-manual professional services, e-commerce, retail, offices and annual events, while identifying several declined classes such as manual contractors and bars. Zurich’s evidence names a commercial-trade-contractors captive as one specific program. Ask about your exact industry and operations rather than treating either segment example as universal eligibility. [4] [10]
What Should You Confirm in CFC and Zurich U.S. General Liability Insurance Quotes?
- Ask CFC to confirm that its $6 million casualty limit applies to the general-liability section and itemize any sublimits, property terms and exclusions. [4]
- Ask Zurich whether your trade and revenue qualify for the cited captive or another casualty placement, then compare liability limits and included lines. [9]