Baldwin vs CFC: Professional Liability / E&O Insurance

CFC publishes E&O limits up to $10 million, a $0 minimum deductible and no revenue threshold, in a package policy with optional general liability, property and cyber add-ons; The Baldwin Group is the advisory broker for accountants, architects, engineers and lawyers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

CFC says its professional-services policy combines E&O with optional general liability, property, and cyber rather than selling E&O alone. CFC publishes E&O limits up to $10 million and no revenue threshold, while naming professions it ordinarily declines, including lawyers, financial advisers, and insurance agents

Sources reviewed

  1. 01
    Claims

    CFC · Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP) · accessed 2026-09-23

  2. 02
    Miscellaneous professional liability | Product brochure | United States

    CFC · Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold · accessed 2026-09-23

  3. 03
    Professional liability

    CFC · Professional services tile description; Digitally traded Connect section; downloads (brochure, application form) · accessed 2026-09-23

  4. 04
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  5. 05
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  6. 06
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  7. 07
    Professional Liability Insurance & Services

    The Baldwin Group · Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. · accessed 2026-09-30

  8. 08
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

What Are the Key Differences Between The Baldwin Group and CFC Professional Liability (E&O) Insurance?

CFC: Limits

CFC says its professional-services policy combines E&O with optional general liability, property, and cyber rather than selling E&O alone. The Baldwin Group lists E&O but does not describe such a package. Ask whether you want one policy with add-ons or separate forms. [2] [7]

CFC: Buyer Scope

CFC publishes E&O limits up to $10 million and no revenue threshold, while naming professions it ordinarily declines, including lawyers, financial advisers, and insurance agents. The Baldwin Group lists lawyers and financial advisers among its client professions. The profession-specific appetite makes pre-application confirmation essential. [2] [7]

What Should You Confirm in The Baldwin Group and CFC Professional Liability (E&O) Insurance Quotes?

  • Ask CFC to confirm your profession, services, and any applicable form exclusions or limits.
  • Ask The Baldwin Group which carrier and policy form it proposes and request the applicable trigger, limits, and exclusions.

Areas of coverage

The Baldwin Group

  • role: The source describes The Baldwin Group’s brokerage or advisory role for Professional Liability and E&O. It does not identify Baldwin as the risk-bearing insurer for a particular placement. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.company-reportedSource ↗
  • eligibility: Baldwin names accountants, architects, engineers, financial advisers, lawyers, management consultants and surveyors as professional-services clients. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.company-reportedSource ↗
  • coverage: Baldwin lists professional liability/E&O coverage for its professional-services practice. The page does not define the professional services insured, covered errors, claims-made conditions, limits or exclusions. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.company-reportedSource ↗
  • services: Baldwin describes tailored insurance and risk-mitigation solutions for professional firms and guidance on market shifts and business exposures. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.company-reportedSource ↗
  • limits: The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. No buyer quote, binder, policy or bond form was available in the reviewed public sources.not-disclosedSource ↗

CFC

  • role: CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure.company-reportedSource ↗Source ↗
  • insurer: The reviewed professional liability 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. Professional liability product page and professions 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: CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued.company-reportedSource ↗
  • coverage: Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting.company-reportedSource ↗
  • limits: CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting.company-reportedSource ↗
  • eligibility: CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.company-reportedSource ↗
  • application: CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole.company-reportedSource ↗
  • claims: CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product.company-reportedSource ↗

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