--- title: "CFC vs Lockton" description: "Lockton adds contract review and claims advocacy to its technology brokerage; CFC supplies specialty technology policies." canonical: "https://thegeneralaverage.com/compare/cfc-vs-lockton" page-type: "provider-comparison" updated-at: "2026-09-29" comparison-pair: "cfc-vs-lockton" provider-a: "cfc" provider-b: "lockton" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/cfc-vs-lockton) ## Agent Guide **What this page is:** Side-by-side comparison of CFC and Lockton as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how CFC and Lockton differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do CFC and Lockton compare? - Which is better for business insurance, CFC or Lockton? - Does CFC or Lockton offer the coverage lines I need? - What service and claims differences are documented between CFC and Lockton? **Key facts:** - Providers compared: CFC and Lockton. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 22 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-29. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [CFC profile](https://thegeneralaverage.com/insurance-providers/cfc) — provider profile (evidence for this comparison) - [Lockton profile](https://thegeneralaverage.com/insurance-providers/lockton) — provider profile (evidence for this comparison) - [CFC Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/commercial-property) — one provider's documented offering for a shared coverage line - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) — one provider's documented offering for a shared coverage line - [CFC Crime Insurance](https://thegeneralaverage.com/insurance-providers/cfc/crime) — one provider's documented offering for a shared coverage line - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) — one provider's documented offering for a shared coverage line - [CFC Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cfc/cyber) — one provider's documented offering for a shared coverage line - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) — one provider's documented offering for a shared coverage line - [CFC D&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/directors-officers) — one provider's documented offering for a shared coverage line - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) — one provider's documented offering for a shared coverage line - [CFC Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/employment-practices) — one provider's documented offering for a shared coverage line - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) — one provider's documented offering for a shared coverage line - [CFC Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/fiduciary) — one provider's documented offering for a shared coverage line - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) — one provider's documented offering for a shared coverage line - [CFC General Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/general-liability) — one provider's documented offering for a shared coverage line - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) — one provider's documented offering for a shared coverage line - [CFC Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-liability) — one provider's documented offering for a shared coverage line - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) — one provider's documented offering for a shared coverage line - [CFC Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/cfc/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [CFC Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/cfc/representations-warranties) — one provider's documented offering for a shared coverage line - [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties) — one provider's documented offering for a shared coverage line - [CFC Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/umbrella-excess) — one provider's documented offering for a shared coverage line - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) — one provider's documented offering for a shared coverage line - [AIG vs CFC](https://thegeneralaverage.com/compare/aig-vs-cfc) — sibling comparison - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) — sibling comparison - [Alliance Risk vs CFC](https://thegeneralaverage.com/compare/alliance-risk-vs-cfc) — sibling comparison - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) — sibling comparison - [Amelia Risk vs CFC](https://thegeneralaverage.com/compare/amelia-risk-vs-cfc) — sibling comparison - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) — sibling comparison - [Aon vs CFC](https://thegeneralaverage.com/compare/aon-vs-cfc) — sibling comparison - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) — sibling comparison - [Armilla vs CFC](https://thegeneralaverage.com/compare/armilla-vs-cfc) — sibling comparison - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) — sibling comparison - [At-Bay vs CFC](https://thegeneralaverage.com/compare/at-bay-vs-cfc) — sibling comparison - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) — sibling comparison - [The Baldwin Group vs CFC](https://thegeneralaverage.com/compare/baldwin-vs-cfc) — sibling comparison - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) — sibling comparison - [Beazley vs CFC](https://thegeneralaverage.com/compare/beazley-vs-cfc) — sibling comparison - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs CFC](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cfc) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) — sibling comparison - [biBerk vs CFC](https://thegeneralaverage.com/compare/biberk-vs-cfc) — sibling comparison - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) — sibling comparison - [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb) — sibling comparison - [CFC vs CNA](https://thegeneralaverage.com/compare/cfc-vs-cna) — sibling comparison - [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition) — sibling comparison - [CFC vs Corgi](https://thegeneralaverage.com/compare/cfc-vs-corgi) — sibling comparison - [CFC vs Coterie Insurance](https://thegeneralaverage.com/compare/cfc-vs-coterie) — sibling comparison - [CFC vs Counterpart](https://thegeneralaverage.com/compare/cfc-vs-counterpart) — sibling comparison - [CFC vs Coverdash](https://thegeneralaverage.com/compare/cfc-vs-coverdash) — sibling comparison - [CFC vs Cowbell](https://thegeneralaverage.com/compare/cfc-vs-cowbell) — sibling comparison - [CFC vs Embroker](https://thegeneralaverage.com/compare/cfc-vs-embroker) — sibling comparison - [CFC vs Founder Shield](https://thegeneralaverage.com/compare/cfc-vs-foundershield) — sibling comparison - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) — sibling comparison - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) — sibling comparison - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) — sibling comparison - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) — sibling comparison - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) — sibling comparison - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) — sibling comparison - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) — sibling comparison - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) — sibling comparison - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) — sibling comparison # CFC vs Lockton: How Do They Compare for Business Insurance? Lockton adds contract review and claims advocacy to its technology brokerage; CFC supplies specialty technology policies. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## CFC vs Lockton Highlights CFC provides specialist technology policies; Lockton offers technology brokerage, customer-contract review, international program design and claims advocacy. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [31](https://global.lockton.com/us/en/technology "Technology") [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [40](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") ## Current Reliability Scores for CFC and Lockton These sourced assessments are shown for context; this comparison does not select a winner. ### CFC Reliability Scores Role: Managing general agent. Carrier & MGA Reliability Score: **No Reliability Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (CFC Underwriting Limited’s filed accounts are a scanned image with no readable figures, so its ability to sustain its own operations is not established. State National’s A (Excellent) rating describes the carrier behind CFC’s appointed business, and Syndicate 1988 has no individual AM Best rating; neither is evidence of CFC’s own finances.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/cfc/reliability). ### Lockton Reliability Scores Role: Broker. Broker Reliability Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/lockton/reliability). ## CFC Review Scores for 2026 Review Score: not enough ratings. 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. - Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings) Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/cfc/reviews). ## Lockton Review Scores for 2026 Review Score: 8.4 / 10 from 3 rated sources, equally weighted. Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict. - BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971) - ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/) - Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/lockton/reviews). ## Introduction to the CFC vs Lockton Comparison A startup negotiating a large customer contract may need policy terms and a separate adviser to review contractual requirements. CFC’s technology materials include breach-of-contract features; Lockton markets contract review and claims support. Choose CFC for specialty technology coverage; choose Lockton for contract review or an international program. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [31](https://global.lockton.com/us/en/technology "Technology") ## Buyer Takeaways for CFC vs Lockton ### CFC Buyer Takeaways - Eligible technology businesses can combine E&O, cyber, media/IP and general liability. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) - Cyber policyholders may get threat monitoring, alerts and 24/7 incident support. [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) ### Lockton Buyer Takeaways - Lockton brokers help businesses arrange insurance, employee benefits and retirement programs. [30](https://global.lockton.com/us/en "Lockton United States") [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [49](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) - Technology clients can compare options for cyber, D&O, liability, property and benefits with Lockton. [31](https://global.lockton.com/us/en/technology "Technology") [32](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [33](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [35](https://global.lockton.com/us/en/products-services/property "Property Insurance") [36](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [37](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [38](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) ## CFC vs Lockton Coverage Lines Compared | Coverage Type | CFC | Lockton | | --- | --- | --- | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Not listed | Listed: Lockton arranges cargo insurance. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: Lockton arranges commercial auto insurance. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: CFC offers property coverage within its property and casualty product. [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed: Lockton arranges commercial property insurance. [35](https://global.lockton.com/us/en/products-services/property "Property Insurance") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") | Listed: Lockton arranges commercial crime insurance. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: CFC offers cyber insurance, including primary and excess products. [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") | Listed: Lockton arranges cyber insurance. [32](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [31](https://global.lockton.com/us/en/technology "Technology") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed: Lockton arranges directors and officers liability insurance. [33](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [31](https://global.lockton.com/us/en/technology "Technology") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Not listed | Listed: Lockton arranges employee health and benefits programs. [37](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: CFC 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. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed: Lockton arranges employment practices liability insurance. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed: Lockton arranges fiduciary liability insurance. [38](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: CFC offers general liability within its property and casualty product. [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed: Lockton arranges general liability insurance. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Listed: CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry. [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") | Not listed | | [Key person](https://thegeneralaverage.com/coverage/key-person) | Not listed | Listed: Lockton arranges key person insurance. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: CFC offers kidnap and ransom insurance, including a specialist marine product. [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") | Not listed | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Not listed | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: CFC offers media liability insurance for content creators and media businesses. [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") | Not listed | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: CFC offers product liability within its life-science and nutraceutical policies. [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") | Listed: Lockton arranges product liability insurance. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: CFC offers product-recall and contaminated-product-recall insurance. [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: CFC offers professional liability insurance for professional-service businesses. [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") | Listed: Lockton arranges professional errors and omissions insurance. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: CFC offers buyer-side and seller-side representations and warranties insurance. [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") | Listed: Lockton arranges representations and warranties insurance. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: Lockton arranges surety bonds. [39](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: CFC offers technology errors and omissions for technology businesses. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") | Not listed | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: CFC offers excess professional liability, general liability and cyber limits for small and micro businesses. [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") | Listed: Lockton arranges umbrella and excess liability insurance. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Virtual care and telehealth](https://thegeneralaverage.com/coverage/virtual-care-telehealth) | Listed: CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine. [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") | Not listed | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Not listed | Listed: Lockton arranges workers’ compensation insurance. [36](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | 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 Lockton Research by Coverage Line - [CFC Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/commercial-property) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [CFC Crime Insurance](https://thegeneralaverage.com/insurance-providers/cfc/crime) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [CFC Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cfc/cyber) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [CFC D&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/directors-officers) - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) - [CFC Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/employment-practices) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [CFC Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/fiduciary) - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) - [CFC General Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/general-liability) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [CFC Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-liability) - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) - [CFC Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/cfc/professional-errors-omissions) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [CFC Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/cfc/representations-warranties) - [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties) - [CFC Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/umbrella-excess) - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between CFC and Lockton ### Contract Review Should Lead to Identifiable Policy Requirements CFC’s application asks about the applicant’s products, services and contracts. Its brochure is a product description, not a determination that a particular indemnity is insured. Lockton describes contract review within its technology practice, alongside cyber, D&O and international program design. The practical deliverable to request is a written mapping from customer requirements to proposed coverage and unresolved obligations. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [31](https://global.lockton.com/us/en/technology "Technology") Lockton’s shared catalogue should not be stretched into a finding about a specific technology E&O form: its record deliberately excludes educational articles as standalone product proof. Ask the proposed team which technology E&O product it would actually place. CFC’s brochure can then be compared with that form, rather than with Lockton’s entire list of brokerage services. [31](https://global.lockton.com/us/en/technology "Technology") [32](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") ### Claims Advocacy and Incident Response Have Different Jobs Lockton describes claims consulting that includes policy mapping, claim presentations and discussions with insurer representatives. CFC markets cyber monitoring and technical incident response, alongside claim-notification channels. A buyer may value both functions. Ask each firm to name who handles technical containment versus coverage advocacy versus system restoration, since these are service descriptions rather than measured claims outcomes. [40](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://www.cfc.com/en-us/response/ "CFC Response") [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident") ### An Adviser’s Mandate Does Not Establish Authority to Bind Lockton’s terms say it is generally not authorized to bind insurers except in circumstances it seeks to disclose, and do not guarantee placement on acceptable terms. Its contact route is an inquiry, while CFC’s documented technology submission runs through a broker. Set deadlines around an actual binder and effective date, not a submitted form or an adviser’s willingness to review the contract. [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [41](https://global.lockton.com/us/en/contact-us "Contact Us") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") The same engagement should identify compensation. Lockton discloses commissions and negotiated fees, potentially together, with further compensation categories. CFC’s reviewed public documentation leaves buyer-facing charges undisclosed. Neither establishes a standard cost for this negotiation or placement. [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") Request premium, taxes, fees and intermediary pay in a written breakdown; CFC’s reviewed US technology materials do not disclose a buyer-specific price, commission rate or full charge schedule. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Not publicly disclosed; scope: Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.; verified: 2026-09-16.) ## What Should You Confirm in CFC and Lockton Quotes? - Which contract clauses require amendments, endorsements or uninsured risk acceptance, and who will document that analysis? - Which broker, insurer and California placement route apply, and who has binding authority before the customer deadline? - Who handles technical response versus coverage advocacy, and what fees, commissions and service limits govern that work? ## CFC vs Lockton Services Compared What each provider documents about the services you may need. | Criteria | CFC | Lockton | | --- | --- | --- | | 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](https://www.cfc.com/en-us/company/ "About CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. [30](https://global.lockton.com/us/en "Lockton United States") [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [49](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [43](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [50](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)

Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. [50](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [51](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | | 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](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [41](https://global.lockton.com/us/en/contact-us "Contact Us") [30](https://global.lockton.com/us/en "Lockton United States") [44](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [32](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [43](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) | | 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. [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)

Agree on renewal timing, certificate turnaround and account support before choosing CFC; reviewed materials do not specify those commitments for California technology buyers. [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [34](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [31](https://global.lockton.com/us/en/technology "Technology") [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [35](https://global.lockton.com/us/en/products-services/property "Property Insurance") [30](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) | | Claims assistance | You can report a claim through CFC’s form, email or phone; cyber incidents also have a separate phone route and app. These are notification channels, not a promise about payment speed or outcome. [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. [31](https://global.lockton.com/us/en/technology "Technology") [33](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [38](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [40](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [36](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [42](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) | ## Provider Profiles for CFC and Lockton - [What Is CFC Insurance?](https://thegeneralaverage.com/insurance-providers/cfc) - [What Is Lockton?](https://thegeneralaverage.com/insurance-providers/lockton) ## Comparisons Related to CFC vs Lockton - [AIG vs CFC](https://thegeneralaverage.com/compare/aig-vs-cfc) - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) - [Alliance Risk vs CFC](https://thegeneralaverage.com/compare/alliance-risk-vs-cfc) - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Amelia Risk vs CFC](https://thegeneralaverage.com/compare/amelia-risk-vs-cfc) - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Aon vs CFC](https://thegeneralaverage.com/compare/aon-vs-cfc) - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Armilla vs CFC](https://thegeneralaverage.com/compare/armilla-vs-cfc) - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) - [At-Bay vs CFC](https://thegeneralaverage.com/compare/at-bay-vs-cfc) - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) - [The Baldwin Group vs CFC](https://thegeneralaverage.com/compare/baldwin-vs-cfc) - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [Beazley vs CFC](https://thegeneralaverage.com/compare/beazley-vs-cfc) - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) - [Berkshire Hathaway Specialty Insurance vs CFC](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cfc) - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) - [biBerk vs CFC](https://thegeneralaverage.com/compare/biberk-vs-cfc) - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) - [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb) - [CFC vs CNA](https://thegeneralaverage.com/compare/cfc-vs-cna) - [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition) - [CFC vs Corgi](https://thegeneralaverage.com/compare/cfc-vs-corgi) - [CFC vs Coterie Insurance](https://thegeneralaverage.com/compare/cfc-vs-coterie) - [CFC vs Counterpart](https://thegeneralaverage.com/compare/cfc-vs-counterpart) - [CFC vs Coverdash](https://thegeneralaverage.com/compare/cfc-vs-coverdash) - [CFC vs Cowbell](https://thegeneralaverage.com/compare/cfc-vs-cowbell) - [CFC vs Embroker](https://thegeneralaverage.com/compare/cfc-vs-embroker) - [CFC vs Founder Shield](https://thegeneralaverage.com/compare/cfc-vs-foundershield) - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) ## Sources for CFC vs Lockton ### [CFC Official Website](https://www.cfc.com/en-us/) 1. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16. 2. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16. 3. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16. 4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16. 5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16. 6. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16. 7. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16. 8. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16. 9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16. 10. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16. 11. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: opening coverage list; What else is in the policy?; What we decline. Accessed 2026-09-16. 12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16. 13. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16. 14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16. 15. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16. 16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16. 17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16. 18. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16. 19. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16. 20. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16. 21. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16. 22. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16. 23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16. 24. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16. 25. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16. 26. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16. 27. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16. 28. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16. 29. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16. ### [Lockton Official Website](https://global.lockton.com/us/en) 30. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 31. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16. 32. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 33. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 34. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16. 35. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16. 36. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 37. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 38. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 39. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16. 40. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 41. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 42. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16. 43. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 44. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 45. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 46. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 47. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 48. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 49. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 50. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 51. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/cfc-vs-lockton.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)