CFC vs Risklytics: Intellectual Property Insurance

Risklytics is a licensed producer placing IP insurance with outside carriers, with a typical ask of $250,000 to $5 million; CFC underwrites its own policy for businesses up to $250 million turnover.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

What Are the Key Differences Between CFC and Risklytics Intellectual Property Insurance?

Scheduled Patents Versus a Combined Underwritten Form

Risklytics says a typical request is $250,000 to $5 million per claim and requires every patent filing and indemnity obligation to be scheduled before bind. CFC underwrites a policy that combines defense, pursuit and contractual indemnity, with turnover caps of $250 million in listed industries and $500 million for a shorter list. Choose Risklytics if your patents and indemnities can be fully scheduled and you need limits in that typical range; choose CFC if you want its combined form and you fit those caps. [9] [2]

What the Policy Is Built to Pay

CFC covers patents, trademarks, copyright and trade secrets through defense, pursuit and contractual indemnity that can extend down a supply chain, and it added AI-related language in 2026. Risklytics describes paying legal costs to defend an infringement claim and to pursue an infringer of the company's own IP, and it distinguishes that from cyber liability for stolen source code. CFC's third piece, supply-chain indemnity, is the extra to test if your customer contracts push claims downstream. [2] [1] [9]

Online Indication Versus Online Application and Fees

CFC offers a non-binding indication from company name, website and revenue. You start Risklytics through its online application; it says there is no broker fee on top of premium, a licensed producer stays on the file until bind, and commission is paid by the carrier out of the premium. Risklytics also says only a short list of insurers write the line. Neither page names the issuing carrier for a given quote. [2] [8] [7] [9]

What Should You Confirm in CFC and Risklytics Intellectual Property Insurance Quotes?

  • Ask CFC whether contractual indemnity and 2026 AI wording are included. [2] [1]
  • Ask Risklytics which specialist insurer is quoting and confirm every patent and indemnity obligation is scheduled. [9]
  • Compare Risklytics' $250,000-$5 million typical ask with CFC's quoted limits. [9]
  • Confirm your revenue against CFC's turnover caps. [2]

Risklytics is the fit if you can schedule every patent filing and indemnity obligation and your typical ask is $250,000 to $5 million per claim. CFC is the fit if you need a combined defense, pursuit and indemnity policy and you sit inside its turnover caps.

Sources reviewed

  1. 01
    CFC responds to customer demand for affirmative AI cover

    CFC · Programme includes updates across... Intellectual Property (IP)...; addressing model hallucination, AI generated content and model drift · accessed 2026-09-23

  2. 02
    Intellectual property insurance

    CFC · Opening; Defense; Pursuit of infringers; Contractual indemnity; US-facing product offering · accessed 2026-09-16

  3. 03
    Regulatory information

    CFC · CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. · accessed 2026-09-23

  4. 04
    Intellectual Property Insurance application form — US

    CFC Underwriting Limited · Sections 1–2 pp.1–2; Section 3 pp.3–4; Section 4 p.4; Section 6.1 p.5; Section 6.2 p.6 · accessed 2026-09-16

  5. 05
    IP Infringement Insurance Application

    Intellectual Property Insurance Services Corporation · p.1 specimen request; Section 1 pp.2–4; Defense Section 2 pp.5–6; Enforcement Section 3 pp.7–9 · accessed 2026-09-16

  6. 06
    Small Business Insurance

    National Association of Insurance Commissioners · Other types of business liability insurance · accessed 2026-09-16

  7. 07
    About Risklytics: who we are

    Risklytics · “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts · accessed 2026-09-23

  8. 08
    How pricing and broker fees work

    Risklytics · Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium · accessed 2026-09-23

  9. 09
    Intellectual Property Insurance

    Risklytics · Coverage line: Intellectual Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions · accessed 2026-09-23

  10. 10
    Intellectual property insurance (UK guidance)

    UK Intellectual Property Office · About IP and insurance > types of products; exclusions/excess/co-insurance; claims process and legal representation · accessed 2026-09-16

Areas of coverage

CFC

  • role: CFC underwrites and distributes an intellectual property insurance policy through what it describes as the largest dedicated IP insurance underwriting team in London, backed by specialist claims adjusters and risk management partners. IP product page description of CFC's IP practice.company-reportedSource ↗
  • insurer: The reviewed IP product page does not name the specific insurer or Lloyd's syndicate that carries the risk on this policy. CFC's regulatory page lists several CFC entities, including its own Lloyd's Syndicate 1988, that CFC uses as underwriting vehicles across its business, but does not tie a specific one to the IP product. Checked the IP product page and CFC's regulatory information page; neither names an IP-specific carrier.not-disclosedSource ↗Source ↗
  • eligibility: CFC says its IP policy is designed for businesses with turnover up to $250 million (GBP or USD) across industries such as construction, manufacturing, professional services and consultants, and will also consider turnover up to $500 million for a narrower list of industries including medical drug discovery, software development, fashion, advertising, medical devices, and machine learning. Industries we cover section of the IP product page; final eligibility for any given business depends on underwriting.company-reportedSource ↗
  • coverage: The policy covers infringement claims involving patents, trademarks, copyright and trade secrets, plus costs tied to loss of IP rights or loss of profit from an IP dispute. Product page coverage description; exact terms and exclusions are set by the policy as issued.company-reportedSource ↗
  • coverage: Coverage is built from three pieces: defense against infringement allegations from a third party, pursuit of parties infringing on IP the insured owns or licenses, and contractual indemnity protection that can extend down a supply chain if a claim reaches a customer or downstream contract. Defense/Pursuit of infringers/Contractual indemnity descriptions on the product page.company-reportedSource ↗
  • coverage: CFC says it added affirmative AI-related coverage language to its IP policy in 2026 as part of a rollout across seven products, explicitly addressing exposures like AI model hallucination, AI-generated content, and model drift rather than leaving them to implied or silent coverage. CFC news release on the affirmative AI coverage programme; describes intent and scope of the update, not specific policy wording.company-reportedSource ↗
  • application: CFC offers a non-binding IP insurance indication online, asking only for the company name, website and revenue. IP product page indication call to action.company-reportedSource ↗

Risklytics

  • role: Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Intellectual Property Insurance with outside carriers; it says it does not underwrite policies itself. About page; describes Risklytics' brokerage model generally, restated for this line.company-reportedSource ↗
  • coverage: Risklytics describes this line as paying legal costs on both sides of an IP dispute: defending a claim that the company's product infringes someone else's patent, trademark or copyright, and pursuing an infringer of its own IP, and distinguishes it from cyber liability, which would answer source code stolen in a breach rather than an infringement claim. Lines page; the issued policy and declarations control actual coverage.company-reportedSource ↗
  • eligibility: Risklytics says buyers typically need this coverage at their first filed patent or the first contract requiring them to cover a customer's IP claims, and that enterprise contracts with an IP indemnity clause require it; it adds that companies without patents can still need the line because trademarks, copyrighted code and trade secrets count too. Lines page.company-reportedSource ↗
  • limits: Risklytics lists a typical ask of $250,000 to $5 million per claim for this line. Lines page; actual limits are set on the bound policy.company-reportedSource ↗
  • services: Risklytics says only a short list of insurers write this line and that they require every patent filing and indemnity obligation to be listed before placement. Lines page.company-reportedSource ↗
  • insurer: Risklytics does not name the carrier that underwrites Risklytics Intellectual Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. Lines page and about page; no specific insurer is published for this line.company-reportedSource ↗Source ↗
  • application: You start Risklytics Intellectual Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. Pricing page describes the general application and fee process, not a line-specific form.company-reportedSource ↗Source ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk