CFC vs Embroker: Professional Liability / E&O Insurance

Embroker offers an online quote for professional liability, with a choice of deductible styles, marketed to accountants, consultants and real estate agents. CFC fits buyers who want E&O with optional general liability, property and cyber add-ons.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

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

Which Policy Responds to Physical Losses?

CFC lists bodily injury and property damage among the exposures its E&O package covers, alongside breach of contract and intellectual-property infringement. Embroker excludes personal injury and property damage from E&O and points buyers to general liability. If a service error could cause physical damage, ask CFC whether the quoted form covers that event and price the Embroker GL policy separately. [2] [4]

Home Inspectors Need to Check CFC’s Declined List

Embroker lists home inspectors among its example E&O buyers. CFC ordinarily declines pre-purchase home inspectors. If you inspect homes, ask Embroker for a quote and confirm CFC’s exclusion before spending time on its application. [4] [2]

Coverage Packaging and Deductibles

Embroker sells standalone professional liability and also describes aggregate and first-dollar-defense deductible choices. CFC starts with E&O and offers general liability, property and cyber as add-ons. Ask how each structure affects the total premium and claim costs. [4] [2]

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

  • Ask CFC whether your profession is favored or declined and whether physical-loss claims are included in the E&O form. [2]
  • Ask Embroker which general-liability coverage you need for bodily injury and property damage. [4]
  • Compare CFC’s optional lines, Embroker’s deductible choices and each quote’s actual price. [2] [4]
  • Get the issuing insurer, limits and retentions from both. [3] [4]

Areas of coverage

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 ↗

Embroker

  • role: Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.company-reportedSource ↗
  • coverage: Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.company-reportedSource ↗
  • limits: Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.company-reportedSource ↗
  • application: Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.company-reportedSource ↗

CFC includes bodily injury and property damage within professional-services E&O but ordinarily declines home inspectors; Embroker excludes physical losses and offers standalone E&O.

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 Insurance Coverage & Quotes

    Embroker · Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? · accessed 2026-09-23

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    Get business insurance

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

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