C&F Digital Partners


  • Focused on creating partnerships with digital innovators and digitally-enabled agents to offer insurance in an online or mobile environment
  • Targeting small commercial clients with admitted and non-admitted products
  • Delivering a real-time insurance purchase experience through touchless , automated underwriting and API-enabled connectivity with distribution partners
  • Pursuing customer acquisition during trigger events in the life of a small business owner (ex. launch of a new business, bidding on a contract, securing a small business loan, securing a commercial lease, etc.)

Competitive Strengths

  • Every aspect of the division is dedicated and designed to distribute through start-up insuretechs and digital agents/brokers
  • Modern technology platform with open APIs for seamless, real-time interaction with digital partners and vendors
  • Cloud-based architecture for rapid product and functionality deployment and 24/7 availability
  • Uniquely positioned to support digitized admitted products through the entire life-cycle of the policy, by leveraging 3rd party data and streamlining application questions
  • Deep product, underwriting and claims expertise to help and guide start-up digital partners

Target Clients

  • Micro and small businesses with 0 – 20 employees
  • Home-based businesses
  • Consultants
  • Start-ups

Product and Eligibility

  • Admitted, ISO-based BOP product, available in all states
  • Sales up to $6M per location (premises)
  • Occupancies up to 35,000 square feet per location (premises)
  • Minimum premium $250
  • Price discounts for preferred business
  • No premium audit on most policies
  • 130+ class codes, including retail, wholesale, mercantile, office and business service classes

Available Coverages

  • Property
  • Business Interruption and Extra Expense – actual loss sustained for 12 months
  • General liability – occurrence limits of $300k, $500k, $1m, $2m
  • Enhanced equipment breakdown (includes micro circuitry)
  • Employee benefits liability
  • Hired and non-owned auto
  • Liquor liability

Why Crum & Forster

  • Financial strength rating by A.M. Best of A “Excellent”
  • Part of Fairfax Financial Holdings with revenue in excess of $12 billion
  • Dedicated and responsive underwriting team
  • Customer service-based culture applied to everything we do