CFC vs Chubb: Technology E&O Insurance

Both fold Tech E&O into a package with cyber. CFC publishes limits up to $10,000,000 and a $0 minimum deductible, while Chubb's DigiTech ERM targets software developers, IT consultants and hardware makers through agents and brokers.

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 Chubb Tech E&O Insurance?

Two Combined Packages, Different Published Detail

CFC's Technology product combines E&O with media, cyber, breach-of-contract and IP cover. Chubb writes DigiTech ERM as a combined tech E&O, media and cyber policy for software developers, technology-services firms, consultants, and electronics and hardware manufacturers. Choose CFC if you want published limits and deductibles or your products could cause physical injury or damage; choose Chubb if project delays are your main risk and you want a single insurer your agent can quote on Chubb's platforms. [5] [6] [9]

What Limits Are Published

CFC publishes a $10 million maximum for E&O, media and cyber, a $6 million general liability maximum, and a $0 minimum deductible. Chubb doesn't publish DigiTech limits or retentions, so you only see them on your quote. [3] [6]

Injury, Delay and Contract Language

CFC covers financial loss, bodily injury or property damage from your products and services, plus breach of client contracts. Chubb's DigiTech adds third-party financial injury from your products or services and has no exclusion for delays or failure to deliver. If you ship late, check how each form responds. [5] [6]

How You Quote

CFC's US Technology application goes back through your broker. Agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace platforms. [4] [6]

What Should You Confirm in CFC and Chubb Tech E&O Insurance Quotes?

  • Ask Chubb for the DigiTech E&O limit and retention; ask CFC whether general liability is on your quote. [3] [6]
  • Ask CFC which insurer or Lloyd's syndicate backs your US policy; its application names CFC Underwriting Limited only as administrator. Chubb writes DigiTech itself. [2] [4] [6]
  • Compare bodily-injury, delay or failure-to-deliver, and copyright wording. [5] [6]
  • Compare CFC's $0-deductible incident response with Chubb's cyber panel, hotline and Cyber Alert app. [3] [6]

CFC's Technology package publishes a $10 million maximum for E&O, media and cyber, deductibles from $0, and covers bodily injury or property damage from your products. Chubb's DigiTech ERM combines the same three lines for software, services and hardware firms, with no exclusion for late delivery, but publishes no limits.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    Regulatory information

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

  3. 03
    Technology | Product brochure (United States)

    CFC · Products and services liability; Breach of contract; IP infringement and media liability; Comprehensive cyber cover; Response app highlights; Limits and deductibles table · accessed 2026-09-23

  4. 04
    Technology companies Insurance application form (US)

    CFC · Section 1: Company Details; Section 2: Activities; Section 3: Contract & Risk Management; Section 4: Cyber Security Risk Management; Section 6: Insurance Requirements; footer entity line · accessed 2026-09-23

  5. 05
    Technology insurance | Start-ups and tech companies | CFC

    CFC · Technology product summary; Key features: Products and services liability, Breach of contract, IP rights infringement and media liability, Comprehensive cyber cover and incident response; Downloads · accessed 2026-09-23

  6. 06
    Cyber Insurance Coverage & Products

    Chubb · DigiTech Enterprise Risk Management section: target clients and product features beyond Cyber ERM · accessed 2026-09-23

  7. 07
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  8. 08
    Insurance for Software Product & System Developers

    Chubb · Property & casualty and financial-lines coverage solutions lists for software and systems developers · accessed 2026-09-23

  9. 09
    Insurance for Technology Companies

    Chubb · Products and services: E&O/Cyber listed among Chubb's technology-industry offerings · accessed 2026-09-23

  10. 10
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  11. 11
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  12. 12
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  13. 13
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  14. 14
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

Areas of coverage

CFC

  • role: CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer.company-reportedSource ↗Source ↗
  • insurer: The Technology application form names only CFC Underwriting Limited, a UK entity authorized and regulated by the Financial Conduct Authority, as the party administering the form. Neither the Technology product page nor the application discloses which specific insurer or Lloyd's syndicate capacity backs a given US Technology policy. Technology application footer and the regulatory information page, both checked on 2026-09-23; CFC's US arm, CFC USA Inc., separately holds admitted producer licenses and E&S authorization in NY, TX, GA and CA, but that page does not tie a specific license to the Technology product.not-disclosedSource ↗Source ↗
  • coverage: CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed.company-reportedSource ↗
  • coverage: The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. Product brochure 'Comprehensive cyber cover' section.company-reportedSource ↗
  • limits: CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control.company-reportedSource ↗
  • services: Policyholders get access to CFC's incident response service at a $0 deductible, sitting on a limit separate from the main policy limit, plus a free app with dark web monitoring, phishing simulations and network deep scanning. Brochure 'Market leading cyber incident response' and 'Response app highlights' sections; CFC calls its incident response team one of the largest in-house teams in the industry, a characterization not independently verified here.company-reportedSource ↗
  • application: The US Technology application asks for company revenue by year, funding-round history, subcontractor and hosting arrangements, and whether multi-factor authentication is enforced for remote network access and email; it is returned to your insurance broker. Application form Sections 1, 2 and 4; CFC also lists Connect and named API partners as digital trading channels on the product page, which may bypass a paper application for some brokers.company-reportedSource ↗Source ↗
  • eligibility: CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application.company-reportedSource ↗

Chubb

  • role: Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. Cyber Insurance Coverage & Products page, DigiTech ERM section.company-reportedSource ↗
  • eligibility: Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. DigiTech ERM Target Clients list.company-reportedSource ↗
  • coverage: Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. DigiTech ERM Product Features list; subject to the policy as issued.company-reportedSource ↗
  • limits: The reviewed pages do not publish specific limit or retention amounts for DigiTech ERM's technology E&O coverage. Cyber Insurance Coverage & Products page as read on 2026-09-23.not-foundSource ↗
  • services: DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM."company-reportedSource ↗
  • application: Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. Cyber Insurance Coverage & Products quoting section; technology-industry products list.company-reportedSource ↗Source ↗

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