CFC vs 
Counterpart: How Do They Compare for Business Insurance?
CFC describes agent or broker-assisted application; Counterpart describes quote entry whose binding route remains unclear. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.
Introduction to the CFC vs Counterpart Comparison
CFC and Counterpart describe different quote routes: agent or broker-assisted application and quote entry whose binding route remains unclear. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 3 35
CFC vs Counterpart Coverage Lines Compared
| Coverage | CFC | Counterpart |
|---|---|---|
| Commercial property | Listed 13CFC offers property coverage within its property and casualty product. | Not listed |
| Crime | Listed 11,23CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Listed 42Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. |
| Cyber liability | Listed 9CFC offers cyber insurance, including primary and excess products. | Not listed |
| Directors and officers | Listed 11CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Listed 38,39Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. |
| Employment practices liability | Listed 11CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability. | Listed 40Named Employment Practices Liability product; examples and policy terms govern. |
| Fiduciary liability | Listed 11CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Listed 41Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. |
| General liability | Listed 13CFC offers general liability within its property and casualty product. | Listed 43,46GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. |
| Intellectual property | Listed 14CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry. | Not listed |
| Kidnap and ransom | Listed 15CFC offers kidnap and ransom insurance, including a specialist marine product. | Not listed |
| Management liability | Listed 10,11CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Not listed |
| Media liability | Listed 21CFC offers media liability insurance for content creators and media businesses. | Not listed |
| Medical malpractice | Not listed | Listed 44Allied healthcare liability for named classes; not universal conventional malpractice. |
| Product liability | Listed 22CFC offers product liability within its life-science and nutraceutical policies. | Not listed |
| Product recall | Listed 16CFC offers product-recall and contaminated-product-recall insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 12CFC offers professional liability insurance for professional-service businesses. | Listed 43,45,44,46Several separately scoped professional-liability programs; do not generalize terms across professions. |
| Representations and warranties | Listed 17CFC offers buyer-side and seller-side representations and warranties insurance. | Not listed |
| Technology errors and omissions (E&O) | Listed 2CFC offers technology errors and omissions for technology businesses. | Not listed |
| Umbrella and excess liability | Listed 18CFC offers excess professional liability, general liability and cyber limits for small and micro businesses. | Not listed |
| Virtual care and telehealth | Listed 19CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine. | Not listed |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
CFC vs Counterpart Research by Coverage Line
Open what CFC and Counterpart each document for one coverage line.
Crime Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
General Liability Insurance
Professional Liability (E&O) Insurance
Current Reliability Scores for CFC and Counterpart
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
CFC Reliability Scores
Managing general agentCarrier & MGA
No Reliability Score
Counterpart Reliability Scores
BrokerBroker
No Reliability Score
CFC and Counterpart Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC Review Score
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.
Read CFC reviewsCounterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.
Read Counterpart reviewsKey Differences Between CFC and Counterpart
Business Fit and Roles
CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 5,4Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 32Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
The buyer starting points differ. CFC's published material says: Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. 1 Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 30 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 5 32
Getting a Quote
A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 3,6Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 35,30,34Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 3 35
Service After Binding
Cyber buyers can get threat monitoring, alerts, a response app and round-the-clock technical incident support according to CFC; check the proposed policy for access, scope and conditions. 7Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 37Company-reported. Company-described professional-liability broker service.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 7 37
What Should You Confirm in CFC and Counterpart Quotes?
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 5 32
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 3 35
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 7 37
CFC vs Counterpart Services Compared
What each provider documents about the services you may need
| Criteria | CFC | Counterpart |
|---|---|---|
| Business role | CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 5,4Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment. | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 32Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. |
| Application process | A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 3,6Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment. | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 35,30,34Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 36Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. |
| Servicing and renewals | Cyber buyers can get threat monitoring, alerts, a response app and round-the-clock technical incident support according to CFC; check the proposed policy for access, scope and conditions. 7Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment. Agree on renewal timing, certificate turnaround and account support before choosing CFC; reviewed materials do not specify those commitments for California technology buyers. 6,3Not publicly disclosed. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment. | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 37Company-reported. Company-described professional-liability broker service. |
Provider Profiles for CFC and Counterpart
Sources for CFC vs Counterpart
CFC Official Website
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Technology companies — US application v2.4. CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
- Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Connect broker trading portal. CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
- CFC Response. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
- Notify a claim or cyber incident. CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
- Cyber insurance — US. CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16.
- Management liability. CFC; Management liability; Side A DIC. Accessed 2026-09-16.
- Management liability — United States product brochure. CFC; Page 1: opening coverage list; What else is in the policy?; What we decline. Accessed 2026-09-16.
- Professional liability. CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
- Property & casualty. CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16.
- Intellectual property insurance. CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
- Kidnap and ransom. CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16.
- Product recall. CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
- Transaction liability. CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
- Umbrella cover. CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16.
- Digital health insurance. CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16.
- Medical malpractice. CFC; Our medical malpractice products. Accessed 2026-09-16.
- Media & entertainment. CFC; Media product description. Accessed 2026-09-16.
- Life science. CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
- Fintech insurance. CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16.
- Financial institutions. CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
- Carbon insurance. CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
- Safeprotect misconduct liability. CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
- Terrorism. CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
- Marine. CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
- CFC launches admitted offerings for professional liability and technology E&O. CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
