---
title: "Is CFC Legit? Licensing, Carriers and Reliability"
description: "This partial score helps buyers assess CFC’s disclosed entities, claims-service information, carrier relationships and public terms; it does not predict how a claim will be decided."
canonical: "https://thegeneralaverage.com/insurance-providers/cfc/reliability"
page-type: "reliability-article"
updated-at: "2026-09-25"
provider: "cfc"
content-type: "reliability"
---

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/insurance-providers/cfc/reliability)

## Agent Guide

**What this page is:** Spot's evidence-based reliability assessment of Is CFC Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used.

**Use this page when:** Cite this page to answer whether Is CFC Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand.

**Questions this page answers:**
- Is Is CFC Legit? Licensing, Carriers and reliable?
- Is Is CFC Legit? Licensing, Carriers and financially strong and properly licensed?
- How was Is CFC Legit? Licensing, Carriers and scored and why?

**Key facts:**
- Entity: Is CFC Legit? Licensing, Carriers and (provider slug `cfc`).
- Each role is scored against its own rubric; scores are never comparable across rubrics.

**Limits (do not over-claim):**
- A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation.
- Where the page says an assessment is unavailable or partial, no score should be inferred.
- The scored entity may differ from the brand name; read the assessed-entity line before quoting a score.

**Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score.

**Related pages:**
- [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules
- [Is CFC Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/cfc) — same provider: provider profile: products, coverage lines and sources
- [Is CFC Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/cfc/reviews) — same provider: customer review evidence and Reliability Score
- [Is CFC Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/cfc/alternatives) — same provider: closest alternative providers

# Is CFC Legit? Licensing, Carriers and Reliability

This partial score helps buyers assess CFC’s disclosed entities, claims-service information, carrier relationships and public terms; it does not predict how a claim will be decided.

## CFC Reliability Scores for 2026

- **Role:** Managing general agent

- **Scope:** CFC Underwriting Limited as the UK underwriting-management entity and CFC USA, Inc. as the US producer and managing general agent, for CFC-branded technology, cyber, professional and specialty products. US authority is verified in Georgia, Texas and Pennsylvania only, with delegated underwriting and All Lines adjusting authority verified in Texas alone. Capacity is assessed for one relationship and two states only: the appointment of CFC USA, Inc. by State National Insurance Company, Inc., NAIC 12831, recorded in Texas since 2022 and Pennsylvania since 2019, covering CFC's delegated admitted business in those states. No CFC product is mapped to that carrier by any source, and the arrangement is not evidence about CFC's business in the other 48 jurisdictions. Lloyd's Syndicate 1988 is a company-level disclosure and is not assessed as the capacity behind any named US programme. Financial resilience is assessed as CFC Underwriting Limited's ability to sustain its own operations; the insurer's capital is not CFC's and is out of scope.

**Assessment subject unavailable**

This partial Carrier & MGA Reliability Score covers identity and authority, claims and servicing, carrier-network strength, disclosure clarity within the stated scope. It uses 60% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Carrier & MGA Reliability Score:** **Assessment subject unavailable**
- **Subject:** Assessment subject unavailable
- **Role:** Managing general agent
- **Scope:** CFC Underwriting Limited as the UK underwriting-management entity and CFC USA, Inc. as the US producer and managing general agent, for CFC-branded technology, cyber, professional and specialty products. US authority is verified in Georgia, Texas and Pennsylvania only, with delegated underwriting and All Lines adjusting authority verified in Texas alone. Capacity is assessed for one relationship and two states only: the appointment of CFC USA, Inc. by State National Insurance Company, Inc., NAIC 12831, recorded in Texas since 2022 and Pennsylvania since 2019, covering CFC's delegated admitted business in those states. No CFC product is mapped to that carrier by any source, and the arrangement is not evidence about CFC's business in the other 48 jurisdictions. Lloyd's Syndicate 1988 is a company-level disclosure and is not assessed as the capacity behind any named US programme. Financial resilience is assessed as CFC Underwriting Limited's ability to sustain its own operations; the insurer's capital is not CFC's and is out of scope.
- **Assessed:** 2026-09-23
- **Review due:** 2026-10-23
- **Factor basis:** No current numerical score because assessment subject attribution is unavailable.

- **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score)

- **Provider profile:** [CFC](https://thegeneralaverage.com/insurance-providers/cfc)

## What Our Research Found About CFC

### CFC Legal Identity

CFC's regulatory page identifies CFC Underwriting Limited and CFC USA, Inc., while separately naming Lloyd's Syndicate 1988 and Asta. The brand therefore spans underwriting management, distribution and capacity relationships rather than one universal policy issuer. [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [About CFC](https://www.cfc.com/en-us/company/)

### CFC Licensing

CFC reports admitted producer licensing for CFC USA in all 50 states and Washington, D.C., plus selected E&S authorizations including California; these statements are company-reported. Current California authority for the scoped operation is not independently established. [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

Three of the jurisdictions CFC claims are now reconciled to state records, and they show more than producer authority. Georgia holds CFC USA, Inc. as Principal Agency - Nonresident 206830, active with casualty and property lines; Pennsylvania as Producer 902957, active with casualty and property; and Texas as four separate active licences under National Producer Number 19189728 - General Lines Agency 2447672, Surplus Lines Agency 3354240, Managing General Agency 2796570 with an active MGA - Property and Casualty qualification since February 2022, and Adjuster 2969118 with an All Lines qualification since February 2023. The claim of admitted producer licences in all 50 states and DC and excess-and-surplus authorisation in four states is supported where it was checked; the other 48 jurisdictions and the New York and California surplus-lines authorisations remain company-reported. [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/)

### CFC Financial Strength

The reviewed pages identify Lloyd's Syndicate 1988 and Asta's roles but provide no current product-specific statutory balance sheet, policyholder-surplus figure, exact-capacity AM Best action or treaty-level evidence for a U.S. technology quote. [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [Technology Insurance](https://www.cfc.com/en-us/products/industry/technology/)

CFC is an underwriting manager, so the financial question about CFC itself is whether it can sustain its own operations, not whether it holds an insurer's capital. On that, the UK register shows CFC Underwriting Limited as an Active company, number 03302887, incorporated in January 1997, with full statutory accounts filed for the year ended 31 December 2025 on 8 June 2026 and for 2024 on 3 June 2025, and the next accounts not due until September 2027. That evidences a long-established, currently compliant filer. It is not a figure: no turnover, profit or net-asset figures from the 2025 accounts have been confirmed, so no view is expressed on the scale or strength of CFC's own balance sheet. The capital that would pay a claim sits with the issuing carrier, not with CFC. [CFC Underwriting Limited - Companies House register](https://find-and-update.company-information.service.gov.uk/company/03302887), [CFC Underwriting Limited - accounts filing history](https://find-and-update.company-information.service.gov.uk/company/03302887/filing-history?category=accounts)

CFC's own scale is still not quantified. The About page's headline counters for offices, customers, countries and employees show as zeros, and no figures from the statutory accounts on the UK register have been confirmed. The only external financial standing in this record belongs to the carrier, not the manager: State National Insurance Company, Inc. has held admitted authority in Texas for over forty years and in Pennsylvania and Georgia for two and three decades respectively, and AM Best rates it A (Excellent) with a stable outlook. Both describe the carrier rather than CFC, and neither is evidence of CFC's own capital. [About CFC](https://www.cfc.com/en-us/company/), [CFC Underwriting Limited - accounts filing history](https://find-and-update.company-information.service.gov.uk/company/03302887/filing-history?category=accounts), [State Company Consumer Inquiries - State National Insurance Company, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [State National Insurance Company, Inc. - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=10681)

### CFC Risk Bearing

CFC's catalogue describes technology, professional-services and selected cyber products, but the U.S. technology material does not name the carrier or participating syndicate for an individual buyer. The quote, declarations and policy must identify the issuer. [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [Technology Insurance](https://www.cfc.com/en-us/products/industry/technology/)

One carrier relationship is evidenced by a regulator rather than by CFC, and the carrier itself now has standing. Texas records State National Insurance Company, Inc. (NAIC 12831) as holding both a Managing General Agent - Property & Casualty appointment of CFC USA, Inc., active since July 2022, and a property-and-casualty appointment active since June 2022; Pennsylvania records the same carrier, active since December 2019. State National is the only appointing carrier on either record. It is a Texas-domiciled admitted insurer, verified active in Texas since 1984, Georgia since 2005 and Pennsylvania since 1996, so the paper behind CFC's appointed business in those states is long-established rather than newly formed. CFC separately states that both its US cyber and professional liability products are available admitted, which is consistent with delegated business written on an admitted carrier's paper. [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [State Company Consumer Inquiries - State National Insurance Company, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Cyber insurance](https://www.cfc.com/en-us/products/class/cyber-insurance/)

AM Best's record for State National Insurance Company, Inc. (AMB 010681, NAIC 12831), captured on 23 September 2026, shows a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of a+ (Excellent), each with a stable outlook and affirmed effective 21 November 2025, with affiliation code p (Pooled) and Financial Size Category XI (USD 750 million–1.00 billion), within the State National Group rating unit of Markel Group Inc. The rating is State National's, not CFC's. It describes the carrier behind CFC's appointed business in Texas and Pennsylvania and does not show that State National issues any particular CFC product. [State National Insurance Company, Inc. - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=10681), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

AM Best's record for Lloyd's Syndicate 1988 (AMB 043448), managed by Asta Managing Agency Ltd, shows NR (Not Rated) for both the Financial Strength Rating and the Long-Term Issuer Credit Rating, effective 16 May 2024. That means the syndicate has no individual AM Best rating. It says nothing about the security of the Lloyd's market, whose rating was not captured, and it is not evidence about any CFC US programme. [Lloyd's Synd 1988 (Asta Managing Agency Ltd) - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=43448), [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/)

What that stops short of matters as much. No reviewed source states that State National issues any particular CFC product, in any particular state, and CFC's own product pages name no carrier, syndicate or issuing entity for a US policy. The appointments cover Texas and Pennsylvania and carry to none of the other 48 jurisdictions. CFC's Lloyd's Syndicate 1988, which CFC says it established and which Asta manages, is a group-level disclosure with no stated participation in any US programme. The binding limits, lines, states and duration of the Texas delegation are not public, so the durability of the arrangement is evidenced only by how long the appointments have run. [Cyber insurance](https://www.cfc.com/en-us/products/class/cyber-insurance/), [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [About CFC](https://www.cfc.com/en-us/company/), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### CFC Claims Service

CFC provides claim and cyber-incident notification routes, while CFC Response describes technical incident support. These establish company-described notification and response services, not claims-payment speed, coverage outcomes or an independent service measure. [Claims](https://www.cfc.com/en-us/claims/), [CFC Response](https://www.cfc.com/en-us/response/)

CFC says a dedicated CFC claims adjuster manages the process from start to finish, publishes US notification routes at newclaims@cfc.com and +1 866 949 4177 and a separate cyber-incident line, and names a Global Head of Claims. That the adjusting is genuinely in-house is corroborated for one state: Texas records an active All Lines adjuster licence in CFC USA, Inc.'s own name since February 2023. Neither the page nor the licence identifies the entity that pays a claim, which remains the issuing carrier, and no service level or response time is published. [Claims](https://www.cfc.com/en-us/claims/), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### CFC Regulatory Record

The regulatory page supplies company and intermediary disclosures, but no completed five-year multi-jurisdiction conduct result is available. The current page does not support a generalized California-domiciled business restriction. [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

Three state records for CFC USA, Inc. were retrieved on 22 September 2026 and none carries a restriction or adverse notation, and the UK register shows CFC Underwriting Limited as Active and current on its filings. Neither is a conduct search. The FCA Financial Services Register was not available, so the FCA authorisation and any UK regulatory history remain company-reported, and no completed five-year multi-jurisdiction conduct result exists for either entity. [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [CFC Underwriting Limited - Companies House register](https://find-and-update.company-information.service.gov.uk/company/03302887), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

## CFC Licenses and Authority Records

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources |
| --- | --- | --- | --- | --- | --- | --- |
| CFC USA, Inc. | US | National Producer Number | 19189728 | National Producer Number | Identifier carried on the Georgia, Texas and Pennsylvania records; an NPN does not by itself establish authority in any state | [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | GA | State license | 206830 | Principal Agency - Nonresident | Georgia record retrieved 22 September 2026 shows Status Active to 07-31-2027 with Casualty and Property lines active | [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | TX | State license | 2796570 | Managing General Agency | Texas record retrieved 22 September 2026 shows Status Active from 02-07-2022 to 09-17-2027 with the MGA - Property and Casualty qualification active. This is delegated underwriting authority in Texas and does not evidence delegation in any other state | [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | TX | State license | 2447672 | General Lines Agency | Texas record retrieved 22 September 2026 shows Status Active from 09-17-2019 with the Property and Casualty qualification active | [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | TX | State license | 2969118 | Adjuster | Texas record retrieved 22 September 2026 shows Status Active from 02-28-2023 with the Adjuster - All Lines qualification active | [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | TX | Surplus-lines authority | 3354240 | Surplus Lines Agency | Texas record retrieved 22 September 2026 shows Status Active from 06-26-2025 to 09-17-2027 | [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC USA, Inc. | PA | State license | 902957 | Producer | Pennsylvania record retrieved 22 September 2026 shows the Producer licence Status Active to 07-17-2027 with Casualty and Property active; a duplicate Non-Resident Producer Agency row under the same number is Inactive effective 09-10-2026 | [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| CFC Underwriting Limited | United Kingdom | Certificate of authority | 312848 | FCA Firm Reference Number | Company-published as the firm reference under which CFC Underwriting Limited is authorised and regulated by the Financial Conduct Authority; the FCA Financial Services Register was not available on 22 September 2026 and the entry was not independently confirmed | [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/) |

## Regulator Searches for CFC

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | inaccessible | The California lookup for CFC was attempted on 22 September 2026; the California lookup was not available, so the company-reported California excess-and-surplus authorisation was not established. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |
| GA | verified | Principal Agency - Nonresident 206830 Active to 07-31-2027 with Casualty and Property active; no carrier appointments listed. | [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| TX | verified | Managing General Agency 2796570, General Lines Agency 2447672, Surplus Lines Agency 3354240 and Adjuster 2969118 all Active; State National Insurance Company, Inc. recorded as MGA and P&C appointing carrier. | [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| PA | verified | Producer 902957 Active to 07-17-2027 with Casualty and Property active and a duplicate Non-Resident Producer Agency row Inactive effective 09-10-2026; State National Insurance Company, Inc. appointed since 12-17-2019. | [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) |
| United Kingdom | company-reported | Companies House confirms CFC Underwriting Limited as an Active company, number 03302887, with full accounts filed to 31 December 2025. The FCA Financial Services Register was not available on 22 September 2026 - so FCA Firm Reference Number 312848 stays company-reported. | [CFC Underwriting Limited - Companies House register](https://find-and-update.company-information.service.gov.uk/company/03302887), [CFC Underwriting Limited - accounts filing history](https://find-and-update.company-information.service.gov.uk/company/03302887/filing-history?category=accounts), [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/) |

## CFC Reliability Scores by Factor

### CFC Carrier & MGA Reliability Score

No numerical factor breakdown is published for the Carrier & MGA Reliability Score.

## What We Couldn’t Confirm About CFC

- No source states which insurer issues any particular CFC US product. State National Insurance Company, Inc. is the only appointing carrier on the Texas and Pennsylvania records and CFC's own product pages name no carrier, syndicate or issuing entity, so the link between the appointment and a given policy is not established.
- Forty-eight jurisdictions in CFC's all-50-states claim were not checked, and the New York and California excess-and-surplus authorisations remain company-reported. The California lookup was not available.
- No figures for CFC Underwriting Limited's own operations. The full accounts to 31 December 2025 are on the public register, but no turnover, profit or net-asset figures have been confirmed.
- The FCA Financial Services Register was not available on 22 September 2026, so Firm Reference Number 312848 and CFC's UK permissions remain company-reported.
- No statutory financial statement, capital or surplus figure or reinsurance terms were obtained for State National Insurance Company, Inc. Its standing in this record rests on its admitted authorisations and its AM Best rating, not on its accounts.
- The delegation instrument behind the Texas managing-general-agency appointment - binding limits, lines, states and duration - is not public, so the arrangement's durability is evidenced only by how long the appointments have run.
- Whether CFC's in-house adjusting extends beyond Texas; the All Lines adjuster licence was verified there only.
- No completed five-year conduct result is available for CFC USA, Inc. or CFC Underwriting Limited.
- Lloyd's Syndicate 1988, which CFC says it established and which Asta manages, has no stated participation in any US CFC programme, and no syndicate financial or capacity data was obtained. AM Best shows the syndicate as NR (Not Rated); the Lloyd's market rating was not captured and is not inferred.
- CFC's About page headline counters for offices, customers, countries and employees show as zeros and carry no usable figures for CFC's own scale.

## Insurance Terms Related to CFC

- [What Is a Managing General Agent?](https://thegeneralaverage.com/insurance-glossary/managing-general-agent)
- [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license)
- [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating)
- [What Is Reinsurance?](https://thegeneralaverage.com/insurance-glossary/reinsurance)

## Sources for CFC Reliability Research

- [Regulatory Information](https://www.cfc.com/en-us/support/regulatory-information/) — CFC; Regulatory Information, re-read 22 September 2026: CFC Underwriting Limited is authorised and regulated by the Financial Conduct Authority with Firm Reference Number 312848 and company registration number 03302887; CFC's Lloyd's Syndicate 1988 is managed by Asta Managing Agency Ltd, registration 1918744, FCA Firm Reference 204897, authorised by the Prudential Regulation Authority and regulated by the FCA and PRA; CFC USA, Inc. maintains admitted producer licences in all 50 states and the District of Columbia and holds Excess & Surplus lines authorisation in NY, TX, GA and CA, operating from 5 Penn Plaza, Floor 2, New York; CFC Europe S.A. is authorised by the FSMA under registration 071181806; CFC Underwriting Pty Ltd holds AFSL 407780 and CFC Claims Pty Ltd AFSL 700157; CFC Underwriting Inc. holds an Ontario general insurance agent licence.; accessed 2026-09-22.
- [Technology Insurance](https://www.cfc.com/en-us/products/industry/technology/) — CFC; U.S. technology audience, product scope, underwriting and broker route; accessed 2026-09-21.
- [Claims](https://www.cfc.com/en-us/claims/) — CFC; Claims, US, re-read 22 September 2026: 'Your dedicated CFC claims adjuster will work proactively to help you manage the process from start to finish'; the claims team is described as organised by industry and specialisation rather than insurance line, with Margaret Murphy as Global Head of Claims; US notification routes newclaims@cfc.com, +1 866 949 4177 and an online form; cyber incidents +1 844 677 4155 or the CFC Response app. The page does not name the entity that pays a claim.; accessed 2026-09-22.
- [CFC Response](https://www.cfc.com/en-us/response/) — CFC; Cyber response service and incident-support description; accessed 2026-09-21.
- [About CFC](https://www.cfc.com/en-us/company/) — CFC; About CFC, read 22 September 2026: CFC is described as designing and underwriting policies on behalf of capacity providers, interacting with brokers, managing claims and providing risk prevention services. The page states that CFC established Syndicate 1988, 'one of the first independent MGAs of scale to establish a Lloyd's syndicate'. The page's headline counters for offices, customers, countries and employees show as zeros and carry no usable figures.; accessed 2026-09-22.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for CFC; current authority not independently established; accessed 2026-09-21.
- [State National Insurance Company, Inc. - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=10681) — AM Best; Company profile captured by the publisher on 23 September 2026: State National Insurance Company, Inc., AMB 010681, NAIC 12831. Financial Strength Rating A (Excellent); outlook Stable; action Affirmed; effective 21 November 2025; affiliation code p (Pooled). Long-Term Issuer Credit Rating a+ (Excellent); outlook Stable; action Affirmed; effective 21 November 2025. Financial Size Category XI (USD 750 Million–1.00 Billion). Rating unit or ultimate parent: 058405 - Markel Group Inc. (rating unit 018604 - State National Group).; accessed 2026-09-23.
- [Lloyd's Synd 1988 (Asta Managing Agency Ltd) - Company Profile - Best's Credit Rating Center](https://ratingservices.ambest.com/CompanyProfile?ambnum=43448) — AM Best; Company profile captured by the publisher on 23 September 2026: Lloyd's Synd 1988 (Asta Managing Agency Ltd), AMB 043448. Financial Strength Rating NR (Not Rated); effective 16 May 2024. Long-Term Issuer Credit Rating nr (Not Rated); effective 16 May 2024.; accessed 2026-09-23.
- [Georgia Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Georgia insurance licensing lookup; Firm Consumer Inquiry for the State of Georgia, retrieved 22 September 2026: CFC USA INC, National Producer Number 19189728, 5 Penn Plz Fl 2, New York, NY 10001; Principal Agency - Nonresident licence 206830, Status Active, original issue 07-24-2019, expiration 07-31-2027, Principal Agency Casualty and Property qualifications Active. No carrier appointments listed.; accessed 2026-09-22.
- [Texas Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: CFC USA INC, NPN 19189728; Managing General Agency licence 2796570, Status Active, original issue 02-07-2022, expiration 09-17-2027, MGA - Property and Casualty qualification Active; General Lines Agency licence 2447672 Active from 09-17-2019 with the Property and Casualty qualification Active; Surplus Lines Agency licence 3354240 Active from 06-26-2025; Adjuster licence 2969118 Active from 02-28-2023 with the Adjuster - All Lines qualification Active. Affiliations/Appointments list a single carrier: State National Insurance Company, Inc., NAIC 12831, with a Managing General Agent - P & C appointment Status Active from 07-22-2022 and a Property and Casualty appointment Status Active from 06-09-2022.; accessed 2026-09-22.
- [Pennsylvania Firm Consumer Inquiry - CFC USA, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: CFC USA INC, NPN 19189728; Producer licence 902957, Status Active, original issue 07-17-2019, expiration 07-17-2027, Casualty and Property qualifications Active; a separate Non-Resident Producer Agency row under the same number Inactive effective 09-10-2026. Affiliations/Appointments list a single carrier: State National Insurance Company, Inc., NAIC 12831, Status Active from 12-17-2019.; accessed 2026-09-22.
- [CFC Underwriting Limited - Companies House register](https://find-and-update.company-information.service.gov.uk/company/03302887) — Companies House; Register entry read 22 September 2026: registered name CFC UNDERWRITING LIMITED, company number 03302887, company status Active, incorporated 16 January 1997, registered office 8 Bishopsgate, London, EC2N 4BQ, nature of business SIC 65120 non-life insurance; most recent accounts made up to 31 December 2025, next accounts due by 30 September 2027.; accessed 2026-09-22.
- [CFC Underwriting Limited - accounts filing history](https://find-and-update.company-information.service.gov.uk/company/03302887/filing-history?category=accounts) — Companies House; Accounts filing history read 22 September 2026: 'Full accounts made up to 31 December 2025' filed 8 June 2026, 48 pages, and 'Full accounts made up to 31 December 2024' filed 3 June 2025, 54 pages. No financial figures from the 2025 accounts have been confirmed.; accessed 2026-09-22.
- [State Company Consumer Inquiries - State National Insurance Company, Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas, Georgia and Pennsylvania insurance licensing lookup; Company Consumer Inquiries retrieved 22 September 2026 for State National Insurance Company, Inc., NAIC ID 12831, 1900 L. Don Dodson Drive, Bedford, TX, Domicile State Texas. Texas: Active Since 08-28-1984, Active Company Type Fire and Casualty. Georgia: Active Since 07-14-2005, Active Company Type Property and Casualty. Pennsylvania: Active Since 02-21-1996, Active Company Type Casualty.; accessed 2026-09-22.
- [Cyber insurance](https://www.cfc.com/en-us/products/class/cyber-insurance/) — CFC; US cyber product page read 22 September 2026: the US availability table marks both the cyber and professional liability products 'Available Admitted'; Cyber Proactive Response is described for businesses with revenues of $0-250m with unlimited reinstatements at a nil or single deductible; distribution is through CFC's Connect portal and named API partners including AmWins and Limit. The page names no carrier, syndicate or issuing entity for a US policy.; accessed 2026-09-22.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-providers/cfc/reliability.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)