1. Global Product Guide
CFC Underwriting Ltd. Registered in England and Wales, No. 3302887. VAT No. 135541330
Authorised and regulated by the Financial Conduct Authority.
Registered Office: 85 Gracechurch Street, London, EC3V 0AA, United Kingdom
2. PRODUCTS
Social Media Companies
Pharmaceutical Companies*
Medical Device Companies
Insurance Brokers & Agents
Allied Health & Medical
Health & Wellness
Architects & Engineers
Media Companies
Technology Companies
Accountants, Bookkeepers & Auditors*
Technology & MediaProfessionals HealthcareLife Sciences
Sector Products
Design & Construction Companies
Cross-Sector Products
Long Term Care Facilities
Not For Profit
Not For Profit Organisations
Residents & Tenants Associations*
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Online Retailers
Research & Development
Property Professionals*
Oil & Gas Contractors
Miscellaneous Professionals
Recruitment Agencies
* These products are not available for customers in the US at this time
NFP
General LiabilityIntellectual PropertyExcess LiabilityTerrorism & SabotageManagement LiabilityCyber & Privacy Liability Property & Casualty
3. A&EINSURANCE FOR ARCHITECTS & ENGINEERS
Who’s it for?
• Civil engineers
• Conservation managers
• Electrical engineers
• Environmental engineers
• Expert witnesses
• Feasibility studies
• Geotechnical engineers
• HVAC engineers
• Hydraulic / fire engineers
• Land surveyors
What cover is available?
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability**
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €6.5m / US$5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Fee Income: £5m / €5m / US$5m / CA$5m / AU$5m
Max. Revenue: £10m / €10m / US$10m / CA$10m / AU$10m
Min. Deductible: £1k / €1k / US$2.5k / CA$1k / AU$1k
Min. Premium: £300 / €300 / US$1,500 / CA$500 / AU$500
Why bother with A&E?
• Our policy provides you with unambiguous cover for breach of a client contract,
an increasingly vital piece of cover.
• Rather than buying each line separately, A&E provides architects and engineers
with fully tailored coverage in one simple, cost-effective package. A&E takes into
account the unique risk exposures of these professions.
• A&E features robust business interruption cover which is available on a
“flexible first loss” basis. This means that whatever type of business interruption
loss is suffered, only one sum insured needs to be purchased and consequently
a lower premium can be offered. Our BI cover also features tailored
enhancements which cover this industry’s unique risk profile.
• Landscape architects
• Mechanical engineers
• Project managers
• Town planning engineers
• Structural architects
• Structural engineers
• Structural surveyors
• Other architects
• Other engineers
• Other surveyors
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4. ABAINSURANCE FOR ACCOUNTANTS, BOOKKEEPERS & AUDITORS*
Who’s it for?
• Accountants
• Auditors
• Bookkeepers
What cover is available?
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability**
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
• Legal expenses
* This product is not available for customers in the US at this time
** Employers’ liability is not currently available for customers in Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / CA$15m / AU$15m
Max. Fee Income: £5m / €5m / CA$5m / AU$5m
Min. Deductible: £500 / €500 / CA$1k / AU$1k
Min. Premium: £200 / €200 / CA$500 / AU$500
Why bother with ABA?
• ABA features a broad professional liability insuring clause including breach of
contract cover and the payment of your withheld fees if it helps to prevent a
larger claim.
• This policy includes specific cover for the costs of responding to regulatory
investigations, including the payment of ombudsman awards.
• Blended modular coverage including general liability, property and legal expenses.
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5. D&CINSURANCE FOR THE DESIGN & CONSTRUCTION INDUSTRY
Who’s it for?
• Companies engaged in building design and construction
What cover is available?
• Professional liability
• Breach of contract
• Breach of a collateral warranty
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €5m / US$2m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Fee Income: £5m / €5m / US$5m / CA$5m / AU$5m
Min. Deductible: £500 / €500 / US$5k / CA$1k / AU$1k
Min. Premium: £200 / €200 / US$3,500 / CA$500 / AU$500
Why bother with D&C?
• D&C is a package policy which features professional liability and general liability
in the same wording which is crucial for companies engaging in both design and
construction.
• The policy includes specific cover for breach of a collateral warranty as well as
general breach of contract cover.
• We have a broad appetite across the range of activities in this sector and cover
can be provided for overseas projects if required.
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6. IBAINSURANCE FOR INSURANCE BROKERS AND AGENTS
Who’s it for?
• Insurance agents
• Captives
• Commercial lines insurance brokers
What cover is available?
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €5m / US$2m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Fee Income: £5m / €5m / US$2m / CA$5m / AU$5m
Min. Deductible: £500 / €500 / US$2.5k / CA$1k / AU$1k
Min. Premium: £200 / €200 / US$1.25k / CA$500 / AU$500
Why bother with IBA?
• IBA is a broad package policy featuring professional liability, general liability and
property, with the flexibility to purchase one or all covers.
• IBA can be tailored to meet the coverage requirements of the various
associations for insurance brokers and agents around the globe.
• Worldwide cover is provided as standard protecting against lawsuits from
anywhere in the world.
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• Personal lines insurance brokers
• Risk retention groups
7. O&GINSURANCE FOR OIL AND GAS CONTRACTORS*
Who’s it for?
• Directional drillers
• Drilling consultants
• Health and safety consultants
• Geologists
What cover is available?
• Professional liability
• Breach of contract
• Libel, slander and defamation
• Loss of documents
• Payment of withheld fees
• Employee benefits liability
• Commercial general liability
• Products and completed operations
• Tenants’ legal liability
• Non-owned and hired auto
• Medical expenses
• Worldwide jurisdiction
* This product is only available in the US and Canada at this time
What are the limits, deductibles, and premiums?
Maximum Professional Liability Limit: US$5m / CA$10m
Maximum General Liability Limit: US$5m / CA$10m
Maximum Revenue: US$25m / CA$25m
Minimum Deductible: US$2.5k / CA$2.5k
Minimum Premium: US$2.5k / CA$1k
Why bother with O&G?
• This product seamlessly blends professional liability and general
liability into one simple and easy-to-buy package policy.
• We are able to offer an optional property insuring clause that allows you to
include tools and equipment where required.
• O&G covers bodily injury and property damage as a direct result of sudden and
accidental pollution or contamination.
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• Non-destructive testers
• Welding inspectors
• Wellsite operators
8. PROINSURANCE FOR PROFESsIONALS
Who’s it for?
• Agricultural consultants
• Business consultants
• Data processors
• Environmental consultants
• Fire consultants
• Food consultants
• Health & safety consultants
• HR consultants
What cover is available?
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €6.5m / US$5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Fee / Revenue Income: £25m / €25m / US$25m / CA$25m / AU$25m
Min. Deductible: £500 / €500 / US$2k / CA$1k / AU$1k
Min. Premium: £200 / €200 / US$500 / CA$500 / AU$1k
Why bother with PRO?
• The PRO wording covers work subscontracted to others, protecting the policy-
holder against claims for wrongful acts either committed by him or herself or
someone working on his or her behalf.
• We can cover former firms as long as there has been cover in place
continuously with no gaps, and we can easily add additional insureds through
the inclusion of our simple “indemnity to principal” clause which will satisfy most
contractual requests.
• Not only does PRO give all the cover a professional needs in one simple,
cost-effective package, but we’ll consider many unique or unusual professions
that might normally have trouble finding tailored coverage.
• We offer broad contractual liability coverage, not just negligence.
• Investigators
• Interior designers
• Management consultants
• Project managers
• Quality assurance consultants
• Security consultants
• Training companies
• Other professional services firms
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9. RESINSURANCE FOR RECRUITMENT, EMPLOYMENT, & STAFFING AGENCIES
Who’s it for?
It’s for agencies who supply workers into the following sectors:
• Financial services
• Construction
• Driving / haulage
• Education
• Engineering and technical
• Hospitality
• Interim management
• IT / telecommunications
What cover is available?
• Professional liability
• Vicarious liability
• Placed personnel dishonestly
• Breach of the Agency Workers Regulations Act 2010*
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability**
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* AWR coverage is available in the UK only
** Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €6.5m / US$5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Fee Income / Gross Profit: £100m/€100m/US$100m/CA$100m/AU$100m
Min. Deductible: £500 / €500 / US$2k / CA$1k / AU$1k
Min. Premium: £200 / €200 / US$500 / CA$500 / AU$500
Why bother with RES?
• The vicarious liability section of our policy provides the insured with explicit cover
if found legally liable for the actions of placed personnel. The liability sections
also cover claims arising out of injury or damage involving placed personnel.
• Most policies include a clause restricting coverage to the placement of
temporary workers through ‘standard’ contracts, which deem placed personnel to
be the employees of the end client, but increasingly this is not reflective of how
recruitment works. We, however, don’t differentiate between ‘standard’ and ‘non-
standard’ contracts.
• RES covers claims arising from unintentional breaches of the Agency Worker
Regulation Act 2010 (AWR).*
• Human resources
• Marketing, media and communications
• Medical / nursing
• Office / clerical workers
• Oil & gas
• Pharmaceutical & scientific
• Public Sector
• Retail / sales
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10. SUREINSURANCE FOR PROPERTY PROFESsIONALS*
Who’s it for?
• Conveyancers
• Estate agents,
both residential and commercial
• Foreclosure agents
• Land brokers
• Land surveyors
What cover is available?
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Pollution liability
• Loss of documents
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Employers’ liability**
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* This product is not available for customers in the US at this time
** Employers’ liability is not currently available for customers in Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / CA$15m / AU$15m
Max. Fee Income: £5m / €5m / CA$5m / AU$5m
Min. Deductible: £500 / €500 / CA$1k / AU$1k
Min. Premium: £200 / €200 / CA$500 / AU$500
Why bother with SURE?
• The SURE package includes specific cover for breach of statutes relevant to the
property industry, as well as cover for breach of contract or common law.
• The package also includes general liability and property cover enabling property
professionals to buy all their insurances in one transaction, saving both time and
money.
• SURE’s professional liability cover features a broad insuring clause wording for
civil liablity, payment of withheld fees and continuous cover.
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• Property developers
• Property leasing firms
• Property management companies
• Property management firms
• Property surveyors
• Quarterly surveyors
11. 2.0INSURANCE FOR SOCIAL MEDIA COMPANIES
Who’s it for?
• App developers
• Business networking websites
• Corporate blogs
• Crowd sourcing applications
• Digital marketing agencies
• Educational games
• Genealogy websites
• Instant messaging applications
• Internet radio websites
• MMORPG
What cover is available?
• User generated content liability
• Corporate blogging liability
• Libel and slander
• Intellectual property rights infringement
• Invasion of privacy
• Content liability
• Professional liability
• Cyber and privacy
• Property
• Business interruption
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Loss mitigation
• Court attendance costs
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Cyber and Privacy Limits: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Professional Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue: Unlimited
Min. Deductible: £1k / €1k / US$1k / CA$1k / AU$1k
Min. Premium: £300 / €300 / US$500 / CA$300 / AU$300
Why bother with 2.0?
• 2.0 is the first ever insurance product created specifically for social media
companies and companies providing services to social media networks.
• The policy features broad coverage for user generated content, a
pre-requisite for any company operating in this space. There is no requirement
for this content to have been approved before publication.
• Policyholders can choose whether to notify “cease and desist” requests which
helps to reduce the administration burden on both the policyholder and broker.
• We provide full bodily injury and property cover which is necessary in cases
where users of a social media site choose to meet offline.
• Mobile phone content developers
• News aggregation services
• Online dating agencies
• Online games developers and publishers
• Online listings sites
• Photo sharing websites
• Social networking websites
• User-generated content sites
• Video sharing websites
• Web-based communities
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12. MEDIAINSURANCE FOR MEDIA COMPANIES
Who’s it for?
• Advertising agencies
• Authors
• Celebrities
• Content providers
• Copywriters
• Film distributors
• Freelance writers
• Graphic designers
• Journalists
• Marketing consultants
What cover is available?
• Libel and slander
• Intellectual property rights infringement
• Invasion of privacy
• Content liability
• Professional liability
• Cyber and privacy
• Property
• Business interruption
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Loss mitigation
• Court attendance costs
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Cyber and Privacy Limits: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Professional Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue: Unlimited
Min. Deductible: £1k / €1k / US$1k / CA$1k / AU$1k
Min. Premium: £300 / €300 / US$500 / CA$300 / AU$300
Why bother with MEDIA?
• MEDIA is a seamlessly blended package policy which includes media liability,
professional liability, cyber liability, privacy liability, general liability and
property cover. If required, however, it can be monoline as well.
• The policy features tailored cover which responds to the unique risk environment
of the media industry including exposures such as set-rigging, events and PR,
high-value property such as specialist filming equipment, working with the public,
and much more.
• CFC has a very wide appetite and most media companies are considered, from
start-ups to large, multi-national entities.
• New media / digital agencies
• PR consultants
• Press agencies
• Publishers – print and digital
• Radio stations
• Social media agencies
• Telemarketing companies
• Television broadcasters
• Travel / creative / research writers
• Web-casters
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13. TECHINSURANCE FOR TECHNOLOGY COMPANIES
Who’s it for?
• Application service providers
• Bespoke software developers
• Computer games developers
• Digital marketing agencies
• Domain name registration (resellers)
• Email providers
• Encryption software providers
• Hardware value added resellers
• IT consultancy
• IT security consultants
What cover is available?
• Professional liability
• Breach of contract liability
• Intellectual property rights infringement
• Loss of documents
• Cyber and privacy
• Loss mitigation
• Payment of withheld fees
• Employee fidelity
• Website damage
• General liability
• Products liability
• Employers’ liability*
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Property
• Business interruption
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Cyber and Privacy Limits: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Professional Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue: Unlimited
Min. Deductible: Nil
Min. Premium: £300 / €300 / US$500 / CA$300 / AU$300
Why bother with TECH?
• Our policy provides comprehensive cover for claims arising directly from the
breach of a client contract including breaches of warranties and when indemnity
provisions are triggered.
• TECH covers the insured for claims made against them due to the acts of their
sub-contractors. In fact, the language we use in our form is “committed by you
or on your behalf”, so we provide cover for the insured’s own liability irrespective
of who carried out the act which led to the claim.
• In the technology industry, disputes can escalate quickly. That’s why we’ve
included a range of covers which help to solve a problem before it leads to a
lawsuit. These include loss mitigation coverage, cover for payment of withheld
fees, and brand protection cover.
• We provide worldwide cover as standard and can provide cover for companies
with up to 100% US revenues.
• IT support and training
• Mobile content providers
• Networking engineers
• Online gaming providers
• Packaged software developers
• Software value added resellers
• System integrators
• Web designers
• Web hosting (reselling)
• Web service providers
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14. WEBINSURANCE FOR online retailers AND WEB PUBLISHERS
Who’s it for?
• Any business that generates 100% of its revenue from publishing content online.
What cover is available?
• Cyber liability
• Privacy liability
• Privacy breach notification costs
• System damage
• System business interruption
• Media liability
• Professional liability
• Property
• Business interruption
• Employers’ liability*
• General liability
• Products liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Employee benefits liability
• Medical expenses
• Loss mitigation
• Court attendance costs
• Brand protection
* Employers’ liabliity is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Cyber and Privacy Limits: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Professional Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$5m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue: Unlimited
Min. Deductible: £1k / €1k / US$1k / CA$1k / AU$1k
Min. Premium: £300 / €300 / US$500 / CA$300 / AU$300
Why bother with WEB?
• Specifically created for online retailers, WEB has been designed to cover both
online exposures and physical exposures through its unique combination of
products liability, property and cyber and privacy covers.
• WEB provides worldwide cover as standard, reflecting the global nature of online
retailing.
• Products liability cover offered for a wide range of products sold online.
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15. MDINSURANCE FOR MEDICAL DEVICE COMPANIES
Who’s it for?
Companies involved in the design, development, manufacture or distribution of
medical devices for use in hospitals or by other healthcare professionals, including:
• Anaesthetic technology
• Analytical equipment
• Cardio-vascular
• Dental
• Drug delivery systems
• E-health
• Hardware and ambulatory
• Implantable devices
• Infection control
What cover is available?
• Products liability
• Property
• Ideologically motivated attacks
• Business interruption
• Employers’ liability*
• General liability
• Pollution and contamination liability
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Clinical trials liability
• Employee fidelity
• Website damage
• Brand protection
• Court attendance costs
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Products Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Professional Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$10m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property (per location): £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue Income: £25m/€28.5m/US$37.5m/CA$37.5m/AU$42.5m
Min. Deductible: £1k / €1k / US$1k / CA$1k / AU$1k
Min. Premium: £375 / €375 / US$750 / CA$375 / AU$375
Why bother with MD?
• Our combined products and professional liability gives full limit cover for
financial loss as well as bodily injury and ensures no gaps or overlaps in cover.
This is particularly important in areas such as medical electronics (with
embedded software and patient data recording media) and for product
distributors that provide added value services such as training and maintenance.
• We have a broad risk appetite up to and including Class III invasive devices.
• MD is a fully modular package including much more than just products and
professional liability. Customers are able to pick and choose from a wide variety
of coverages to tailor a policy to suit them.
• In-vitro diagnostics
• Medical imaging
• Mobility
• Neurology
• Ophthalmic
• Orthopaedic devices
• Radiotherapy
• Surgical devices
• Wound care
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16. PHINSURANCE FOR PHARMACEUTICAL COMPANIES*
Who’s it for?
Any companies involved in the pharmaceutical industry.
What cover is available?
• General liability
• Pollution liability
• Products liability
• Employers’ liability**
• Clinical trials liability
• Tenants’ liability
• Medical expenses
* Not available for customers domiciled in the US
** Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. General Liability Limit: £15m / €15m / US$20m / CA$20m / AU$20m
Max. Pollution Liability Limit: £15m / €15m / US$20m / CA$20m / AU$20m
Max. Products Liability Limit: £15m / €15m / US$20m / CA$20m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Clinical Trials Limit: £5m / €5m / US$10m / CA$10m / AU$10m
Max. Revenue: £2.5bn / €2.5bn / US$5bn / CA$5bn / AU$5bn
Min. Deductible: Nil
Min. Premium: £500 / €750 / US$750 / CA$750 / AU$750
Why bother with PH?
• The CFC pharmaceutical underwriting team has many years experience
protecting businesses in this specialist sector.
• Many insurers provide cover with a rigid drug exclusion list applying to the policy.
We can be flexible with the drug exclusion list to provide you with broader cover.
• USA exposures can be considered whether this is exports or facilities located in
the USA.
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17. R&DINSURANCE FOR RESEARCH & DEVELOPMENT COMPANIES
Who’s it for?
• Clinical research associates
• Companies involved in the drug
development supply chain
• Consultancy services
• Contract manufacturing organizations
(research and trial materials)
What cover is available?
• Property
• Ideologically motivated attacks
• Business interruption
• Employers’ liability*
• General liability
• Pollution and contamination liability
• Products liability
• Professional liability
• Breach of contract
• Intellectual property rights infringement
• Virus and hacking attack liability
• Loss mitigation
• Payment of withheld fees
• Clinical trials liability
• Employee fidelity
• Website damage
• Brand protection
• Court attendance costs
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Products & Services Liability Limit: £10m / €10m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £10m / €10m / US$2m / CA$10m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property (per location): £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue Income: Unlimited
Min. Deductible: £1k / €1k / US$1k / CA$1k / AU$1k
Min. Premium: £200 / €200 / US$600 / CA$200 / AU$200
Why bother with R&D?
• R&D provides broad, flexible coverage in an easy to understand format for
scientific research companies throughout their life-cycle.
• It allows cover to be tailored around individual business models and risk profiles
and can be adapted easily as and when this changes. This is particularly
beneficial for ‘virtual companies’ where a lot of physical work is undertaken by
supply chain partners, for companies moving from pre-clinical research to start
clinical trials, and for companies providing a blend of products and services to
their customers.
• For start-up companies, we have a two page application process that gives
these fledgling companies a simple, basic, cost effective package of cover that
can be built upon as they develop.
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• Contract research service providers
• Drug discovery companies
• Drug development companies
• Other scientific companies in the
research and development phase
18. A&MINSURANCE FOR ALLIED HEALTH and MEDICAL PROFESSIONALS
Who’s it for?
• Acupuncturists
• Aromatherapists
• Audiologists
• Certified laboratory technicians
• Certified medical assistants
• Colour therapists
• Cosmetologists
• Counsellors
• Dental hygienists
• Dieticians
What cover is available?
• Professional liability
• Sexual misconduct and physical abuse liability
• Contractual liability
• General liability
• Employers’ liability*
• Employee benefits liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Medical expenses
• Property
• Business interruption
• Loss mitigation
• Court attendance costs
• Brand protection
* Employers’ liability is not currently available for customers in the US or Australia
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £5m / €6.5m / US$10m / CA$10m / AU$10m
Max. Sexual Misc. Liability Limit: £1m / €1m / US$1m / CA$1m / AU$1m
Max. General Liability Limit: £10m / €10m / US$10m / CA$10m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Revenue: £25m / €25m / US$25m / CA$25m / AU$25m
Min. Deductible: Nil
Min. Premium: £200 / €200 / US$200 / CA$200 / AU$200
Why bother with A&M?
• A&M is a seamlessly blended package policy which includes professional
liability, general liability, sexual misconduct & abuse liability and property.
• Our A&M underwriting team are very happy to consider program
opportunities whether administered manually or using one of our online
quote and bind platforms.
• Sexual misconduct and physical abuse cover is often excluded in other
wordings but the A&M policy gives clear and affirmative cover for this
exposure.
• Homeopaths
• Hypnotherapists
• Massage therapists
• Meditation practitioners
• Opticians
• Orthotic / prosthetic fittings
• Phlebotomists
• Reflexologists
• Speech therapists
• Yoga practitioners
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19. LTCINSURANCE FOR PROVIDERS OF LONG TERM CARE
Who’s it for?
Non-residential senior care:
• Certified nursing assistants and aides
• Home health care
• Licensed practical nurses,
licensed vocational nurses
• Medical directors
• Medical technicians
• Nurse practitioners
Residential senior care:
• Adult day care centres (certified)
• Assisted living facilities
What cover is available?
• Professional liability
• Medical practitioner liability
• Pollution liability
• Sexual and physical abuse liability
• Contractual liability
• Employee benefits liability
• General liability
• Tenants’ legal liability
• Non-owned and hired auto liability
• Damage to hired autos
• Loss mitigation
• Medical expenses cover
• Court attendance costs
• Brand protection
• Property
• Business interruption
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: €6.5m / US$10m / CA$10m / AU$10m
Max. Sexual Misc. Liability Limit: €1m / US$1m / CA$1m / AU$1m
Max. General Liability Limit: €10m / US$10m / CA$10m / AU$20m
Max. Property Limit: €15m / US$15m / CA$15m / AU$15m
Max. Revenue: Unlimited
Min. Deductible: €1k / US$1k / CA$1k / AU$1k
Min. Premium: €75 / US$75 / CA$75 / AU$75
Why bother with LTC?
• LTC is a seamlessly blended package policy which includes professional
liability, general liability, sexual misconduct & abuse liability, and property for
long term care facilities. The policy is modular so policyholders are free to buy as
many or as few coverages as they like.
• CFC has a very wide appetite within this sector and can cover businesses from
the smallest start-up company to a mature, high-revenue operation. If your
client’s profession is not shown in the “Who’s it for?” section, we can usually find
a solution for them as long as they operate in the long term care sector.
• Clear sexual and physical abuse liability cover is available for added peace of
mind for our policy holders.
• Occupational therapists
• Personal carers
• Physical therapists
• Psychiatrists
• Registered nurses
• Respiratory therapists
• Social workers
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• Hospices
• Independent living facilities
20. NFPinsurance for not for profit organisations
Who’s it for?
• Charities
• Community interest groups
• Leisure groups
• Schools
What cover is available?
• Trustee liability
• Liability of the organisation
• Employment practices liability
• Benefit plan liability
• Professional liability
• Employers’ liability*
• General liability
• Cyber and privacy
• Crime
• Kidnap and ransom
• Property
• Business interruption
• Personal accident
• Court attendance costs
• Loss mitigation
• Reputation and brand protection
* Employers’ liability is not available for customers in the US and Australia
What are the limits, deductibles, and premiums?
Max. Trustee Liability Limit: £10m / €10m / US$5m / CA$10m / AU$10m
Max. Emp.Prac. Liability Limit: £10m /€10m/ US$5m / CA$10m AU$10m
Max. Benefit Plan Liability Limit: £5m / €5m / US$5m / CA$5m / AU$5m
Max. Professional Liability Limit: £5m / €5m / US$5m / CA$5m / AU$5m
Max. General Liability Limit: £10m / €10m / US$10m / CA$10m / AU$20m
Max. Employers’ Liability Limit: £10m / €13m / CA$5m
Max. Property Limit: £15m / €15m / US$15m / CA$15m / AU$15m
Max. Income: £1bn / CA$1bn
Min. Deductible: Nil
Min. Premium: £100 / €100 / US$100 / CA$100 / AU$100
Why bother with NFP?
• NFP is the first policy for the not for profit sector to combine management
liability, professional liability, general liability and cyber and privacy in one
modular package, enabling organisations to buy their critical insurances in one,
simple and cost-effective transaction.
• We want to help brokers make their programs more effecient and the not for
profit sector features many insurance programs which would benefit from our
online platforms or streamlined application process.
• NFP features broad kidnap and ransom cover which is a genuine exposure for
not for profit organisations, particularly charities operating internationally. This
cover will reimburse any ransom payments and pay for the safe return of the
victims.
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• Sports associations
• Trade associations
• Trade unions outside the US
21. R&TRESIDENTS AND TENANTS INSURANCE*
Who’s it for?
• Residents and tenants associations
• Other residential communities
What cover is available?
• Individual cover for association management
• Entity cover for the association itself
• Investigation costs cover
• Loss of documents
• Court attendance costs
• Loss mitigation
• Reputation and brand protection
* This is only available in the UK
What are the limits, deductibles, and premiums?
Max. Residents Assoc. Liability Limit: £5m
Max. Revenue: £1bn
Min. Deductible: Nil
Min. Premium: £200
Why bother with R&T?
• R&T features streamlined and tailored cover specifically addressing the exposures
faced by residents and tenants associations and their management.
• We love program business and R&T suits programs perfectly, particularly where
they are efficiently transacted using our online platforms.
• Our low minimum premiums make this broad cover affordable even for the
smallest associations.
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22. CPMINSURANCE FOR CYBER, PRIVACY AND MEDIA RISKS
Who’s it for?
• Charities
• Clubs and societies
• Entertainment and media
• Higher education
• Healthcare
• Insurance brokers
• Leisure and hotels
• Logistics
• Manufacturers and wholesalers
• Municipalities
What cover is available?
• Cyber liability
• Privacy liability
• System damage
• System business interruption
• Consequential reputational harm
• Regulatory actions and investigations
• The policy holder’s privacy breach notification costs
• Third party privacy breach notification costs
• Cyber crime
• Multimedia liability
• Advertising injury
• Technology errors and omissions
• Court attendance costs
• Crisis communication costs
What are the limits, deductibles, and premiums?
Max. Cyber Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$20m
Max. Privacy Liability Limit: £5m / €7.5m / US$10m / CA$10m / AU$20m
Max. Breach Notification Limit: £5m / €5m / US$5m / CA$5m / AU$5m
Max. System Dam. & Int. Limit: £5m / €7.5m / US$10m / CA$10m / AU$10m
Max. Revenue: Unlimited
Min. Deductible: Nil
Min. Premium: £300 / €300 / US$850 / CA$500 / AU$300
Why bother with CPM?
• CPM is not simply an amended professional liability policy. Instead, it is a policy
designed specifically for the wide range of cyber, privacy and media risks faced
by all companies in today’s electronic trading environment.
• CPM has no retroactive date meaning there is no restriction on when the event
which gave rise to the liabilities occurred.
• Our CPM policy features innovative system business interruption cover which
not only covers the cost of lost revenue during system downtime but also covers
the loss of future revenue due to consequential reputational harm.
• Cyber crime in all its guises is covered, including identity theft, telephone hacking
and cyber threats and extortion.
• Not only are the policy holder’s privacy breach notification costs covered, but
also third party notification costs for which the policy holder is responsible.
• Nursing Homes
• Solicitors
• Public sector
• Recruitment agents
• Religious institutions
• Retailers
• Support services
• Utilities
• Website operators and e-tailers
• Other professionals
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23. MLMANAGEMENT LIABILITY INSURANCE
Who’s it for?
• Biotech companies
• Charities
• Construction companies
• Educational institutions outside the US
• Healthcare institutions
• Leisure and hotels
• Listed companies outside the US
• Manufacturers
• Media companies
• Municipalities
What cover is available?
• Directors and officers liability
• Company reimbursement
• Entity securities liability
• Investigation costs
• Outside directorship liability
• Extradition and appeal costs
• Family costs
• Corporate liability
• Employment practices liability
• Benefit plan liability
• Cyber and privacy
• Kidnap and ransom
• Court attendance costs
• Loss mitigation
• Reputation and brand protection
What are the limits, deductibles, and premiums?
Max. D&O Liability Limit: £10m / €10m / US$5m / CA$10m / AU$10m
Max. Emp. Prac. Liability Limit: £10m / €10m / US$5m / CA$10m / AU$10m
Max. Entity, Crime & K&R Limit: £5m / €5m/ US$5m / CA$5m / AU$5m
Max. Revenue: £1bn / €1bn / US$1bn / CA$1bn / AU$1bn
Min. Deductible: Nil
Min. Premium: £100 / €100 / US$100 / CA$100 / AU$100
Why bother with ML?
• ML includes broad cover for kidnap & ransom including ransom reimbursement,
legal liability, bodily injury in the event of a kidnap, kidnap expenses and
emergency evacuation expenses.
• We offer entity cover as standard under the D&O insuring clause for all
private companies, but will offer entity securities cover for all publicly traded
companies.
• The cyber and privacy cover offered in this policy mirrors that of CFC’s
broad standalone cyber and privacy policy. Features include cyber liability,
privacy liability, mandatory and voluntary privacy breach notification costs
and systems damage and business interruption.
• Nursing homes
• Online companies
• Professional service firms
• Public sector companies
• Retailers
• Technology companies
• Trusts
• Utilities
• Wholesalers
• Other private companies
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24. T&STerrorism and sabotage INSURANCE*
Who’s it for?
• Companies in the US and Canada who want to protect their property assets
against damage and related costs caused by terrorism or sabotage incidents.
What cover is available?
• Damage to property
• Damage to contents
• Loss of rental income
• Business interruption
* This product is only available in the US and Canada at this time
What are the limits, deductibles, and premiums?
Max. Limit Per Individual Property: US$125m / CA$125m
Max. Sum Insured For All Properties Under A Single Policy: US$2bn / CA$2bn
Min. Deductible: Nil
Min. Premium: US$100 / CA$100
Why bother with T&S?
• Highly competitive rates.
• Nil deductible quoted as standard.
• Single or multiple locations under one policy.
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25. XSEXCESS LIABILITY INSURANCE
Who’s it for?
• Accountants
• Architects
• Complementary medicine practitioners
• Design and construct companies
• Engineers
• Insurance brokers
• Media companies
• Real estate agents
• Recruitment and staffing companies
What cover is available?
• Excess professional liability
• Excess cyber and privacy liability
• Excess general liability
• Excess products liability
What are the limits, deductibles, and premiums?
Max. Professional Liability Limit: £10m / €10m / US$10m / CA$10m / AU$10m
Max. Cyber & Privacy Liability Limit: £10m / €10m / US$10m / CA$10m / AU$10m
Max. General Liability Limit: £5m / €5m / US$5m / CA$5m / AU$5m
Max. Products Liability Limit: £5m / €5m / US$5m / CA$5m / AU$5m
Max. Revenue: £250m / €250m / US$250m / CA$250m / AU$250m
Min. Excess: £1m / €1m / US$1m / CA$1m / AU$1m
Min. Premium: £500 / €500 / US$500 / CA$500 / AU$500
Why bother with XS?
• Companies of all sizes are increasingly required to carry more liability insurance
cover, often at the request of their clients. XS provides this additional cover
which works seamlessly with the primary policy, whether written by CFC or
another insurer.
• The low minimum premiums of XS enable companies to top-up their cover
cost-effectively when traditional excess markets are quoting prohibitive premiums.
• XS is available to top up the limit of most CFC policies.
• Scientific R&D companies
• Senior care service providers
• Social media companies
• Technology companies
• Other biotech firms
• Other companies requiring
excess cyber and privacy liability
• Other professional service firms
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26. 25
Who’s it for?
• Manufacturers
• Life sciences companies
• Technology companies
• Energy companies
• Chemical companies
• Engineering firms
• Service providers and consultancies
• Software providers
• Companies requring cover for contractual indemnities
What cover is available?
• All intellectual property, including patents
• Defence costs and damages
• Infringer pursuit costs
• Worldwide claims
• Contractual indemnities
• Directors and officers as co-joined defendants
• Employee entitlement claims
• Counterclaims
• Product recall
• Loss of your IP rights
• Loss of profit due to an injunction
• Loss mitigation
What are the limits, deductibles, and premiums?
Max. Limit: £10m / €10m / US$10m / CA$10m / AU$10m
Min. Excess: £5000 / €5000 / US$5000 / CA$5000 / AU$5000
Min. Premium: £2000 / €2000 / US$3000 / CA$3000 / AU$3000
Why bother with IP?
• Flexible cover to accommodate requirements, including the ability to tailor the
policy for contractual indemnities and single products.
• Broad cover for costs associated with intellectual property disputes, including the
costs of counterclaims and loss mitigation measures often associated with
infringement litigation.
• Enables businesses by allowing the insured to meet contractual obligations to
its customers and by providing cover for one of the main risks of business that
concerns investors in small and medium sized companies.
IPIntellectual property insurance
27. 26
GLGENERAL LIABILITY INSURANCE
Who’s it for?
• Products distributors, wholesalers and manufacturers with a vast array of products
from food and drink to consumer goods as well as machinery and industrial
goods.
• All varieties of natural resource exploitation firms from oil & gas and mining
exposures to traditional and renewable energy solutions.
• General contracting businesses, including industrial contractors, mining
contractors, oil and gas contractors, civil contractors, ground works, electrical
contractors and telecommunication contractors.
What cover is available?
• Third party liability
• Sudden and accidental pollution liability
• Products and completed operations liability
• Tenants’ legal liability
• Medical expenses
• Employee benefits liability
• Court attendance costs
• Employers’ liability
• Non owned auto liability
What are the limits, deductibles, and premiums?
Max. Limit: £10m / €10m / US$10m / CA$10m / AU$10m
Max. Revenue: £100m / €150m / US$200m / CA$200M / AU$200m
Min. Excess: £500 / €500 / US$500 / CA$500 / AU$500
Min. Premium: £500 / €500 / US$500 / CA$500 / AU$500
Why bother with GL?
• Ability to cover up to 100% exports to the US (capped at US$25M)
• Sudden and accidental pollution as standard
• Broad appetite of occupations
• Can consider accounts from start-ups to US$200m revenue companies
• Appetite for heavy industrial risks and hazardous activities
28. 85 Gracechurch Street
London EC3V 0AA
Tel: +44 (0) 207 220 8500
Web: www.cfcunderwriting.com
General enquiries: enquiries@cfcunderwriting.com
Quote requests: inbox@cfcunderwriting.com
Claims: newclaims@cfcunderwriting.com