CFC vs Zurich: Professional Liability / E&O Insurance

Zurich U.S. aims E&O at technology, manufacturing and third-party service providers in its Pro Plus suite of coverages in one policy, available in most states. CFC offers E&O limits up to $10 million with optional general liability and cyber.

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

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 ↗

Zurich U.S.

  • coverage: Zurich says E&O can address professional-service negligence, mistakes or failure to deliver promised services, including defense costs, court fees, settlements and judgments. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • eligibility: Zurich names technology, manufacturing and third-party service providers among targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • coverage: Zurich’s Pro Plus is a modular suite of coverages in one policy; admitted E&O coverage is available in most states. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • claims: Zurich describes E&O claims specialists and underwriters and says claims are reviewed under policy terms with legal counsel coordination. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗

What Are the Key Differences Between CFC and Zurich U.S. Professional Liability (E&O) Insurance?

Limits and Package Design

CFC’s professional-services brochure lists E&O limits up to $10 million, with optional general liability, property, cyber, and umbrella coverage. Zurich describes Pro Plus as a modular suite but gives no limit in the reviewed E&O record. Buyers comparing a combined program should ask CFC how the selected add-ons affect the quoted limit and ask Zurich for module-by-module limits and retentions. [2] [2] [8]

Eligible Work and Claims Handling

CFC names a range of consulting and specialist professions it favors, including business, environmental, food, HR, and freight-broker services, and identifies categories it ordinarily declines. Zurich names technology, manufacturing, and third-party service providers as E&O classes and describes specialist claims staff coordinating legal counsel. Give both providers a precise description of your services and ask who handles a claim under the selected placement. [2] [8] [8]

What Should You Confirm in CFC and Zurich U.S. Professional Liability (E&O) Insurance Quotes?

  • Ask CFC whether its listed appetite includes your exact profession and which insurer issues the policy; the reviewed materials do not name the carrier. [2] [3]
  • Ask Zurich for the available limit, deductible, modules, and issuing insurer for your state. [8]

CFC’s professional-services package publishes E&O limits up to $10 million and offers cyber, property, and liability additions. Zurich describes modular Pro Plus E&O, with admitted coverage available in most states.

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
    Get business insurance

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

  8. 08
    Errors and Omissions Insurance – E&O | Zurich Insurance

    Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

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