What Does Product Liability Insurance from CFC Cover?
CFC sells product liability insurance only within its life science and nutraceuticals package policies, covering bodily injury and property damage claims from use of the insured's product.
CFC Life Science and Nutraceuticals · Updated
What Is CFC’s Role in Product Liability Insurance?
CFC sells product liability only inside its life science and nutraceuticals package policies, not as a standalone product-liability product. 1
Company-reported.Life science product page, which lists life sciences and nutraceuticals as the two package policies covering products/completed operations exposure.
Who Issues CFC Product Liability Insurance?
The reviewed life science and nutraceuticals brochures describe CFC as the policy designer and point of contact but do not name the insurer that carries the product-liability risk for either package. 1,2,3
Not publicly disclosed.Life science page and both brochures 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 either package would need to come from the quote or declarations.
Who Is CFC Product Liability Insurance For?
For the life science package, CFC says it considers companies importing, manufacturing, distributing or leasing tangible products, implantable and non-implantable devices, and software as a medical device, but ordinarily declines products such as hip and knee replacement kits, infusion devices, implantable silicone, and breast implants. 2
Company-reported.Life science brochure's "Products we consider" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.
For the nutraceuticals package, CFC says its appetite covers products like energy drinks, weight-loss or weight-gain products, functional health products and cosmetics, but ordinarily declines products containing or derived from kratom or colloidal silver, or with excessively high stimulant levels. 3
Company-reported.Nutraceuticals brochure's "What we like" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.
What Coverage Features Does CFC Product Liability Insurance Include?
Both packages cover legal expenses and compensation for bodily injury or property damage claims arising from use, ingestion, or (for life science) implantation of the insured's product, alongside product recall costs for government-enforced recalls, with voluntary recall available as an extension. 2,3
Company-reported.Life science and nutraceuticals brochures' "Commercial general liability"/"Products and completed operations" and "Product recall" sections; exact wording and exclusions are set by the policy as issued.
What Limits and Retentions Does CFC Product Liability Insurance Have?
CFC's brochures list a maximum products-liability limit of $15 million on a claims-made basis and $7 million on an occurrence basis for both the life science and nutraceuticals packages. 2,3
Company-reported."Limits and minimum premiums" sections of both brochures; the limit actually issued depends on underwriting.
How Do You Apply for CFC Product Liability Insurance?
CFC publishes separate application forms for life science products/software and for nutraceuticals, so the underwriting intake differs by package even though both share the same product-liability grant. 1
Company-reported.Life science product page's downloads list.
How Does CFC Handle Product Liability Insurance Claims?
CFC says it has pioneered coverage for nutraceuticals as an emerging risk area and has claims handlers experienced with that sector's product claims. 4
Company-reported.CFC's claims page, "Emerging risk" section; a general capability statement with no published nutraceuticals-specific claim volume or outcome data.
CFC Product Liability Insurance Compared With Other Providers
Other Coverage Lines Documented for CFC
Sources for CFC Product Liability Insurance
- Life science. CFC; Life sciences and Nutraceuticals tiles; "What does CFC's life science policy cover?" list; downloads (brochures, application forms). Accessed 2026-09-23.
- Life science | Product brochure | United States. CFC; Commercial general liability; Product recall; At a glance: Products we consider / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
- Nutraceuticals | Product brochure | United States. CFC; Products and completed operations; Product recall; At a glance: What we like / What we ordinarily decline; Limits and minimum premiums. Accessed 2026-09-23.
- Claims. CFC; Emerging risk: "CFC has pioneered coverage for many emerging risk areas - like intellectual property and nutraceuticals - and is one of the only teams in the market with experience handling claims from a variety of new sectors". Accessed 2026-09-23.