CFC vs Relm: Technology E&O Insurance

Relm Insurance keeps Tech E&O as its own professional liability line and offers a separate Fintech E&O product. CFC bundles Tech E&O, IP, media and cyber into one Technology package.

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

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 ↗

Relm Insurance

  • role: Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.company-reportedSource ↗
  • coverage: Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for Tech E&O placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗

What Are the Key Differences Between CFC and Relm Insurance Tech E&O Insurance?

One Package vs Separate Policies Plus a Fintech Form

CFC puts cyber, including network and privacy liability, business interruption, data recreation, extortion and social engineering, inside the same Technology package as E&O, for start-ups through multinationals. Relm sells Tech E&O and cyber as separate products and says one doesn't protect you from what the other covers. Relm also says standard Tech E&O isn't always enough for fintech, so it offers a distinct Fintech E&O product for blockchain vulnerabilities and regulatory scrutiny. Choose Relm if you're a fintech or blockchain company; choose CFC if you want E&O and cyber in one package with a published limit. [10] [3] [5]

What Each Covers

Relm's Tech E&O covers failed service delivery, contractual failure, software glitches that hit customers, and negligent advice. CFC covers financial loss, bodily injury or property damage from your products and services, plus contract and IP infringement liability. [10] [3]

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

  • Ask Relm whether you're being quoted standard Tech E&O or Fintech E&O. [10]
  • Ask Relm to quote cyber alongside Tech E&O so you can compare the total with CFC's package. [10] [3]
  • Ask both which insurer issues your policy. [10] [4]
  • Ask Relm for its limits; CFC publishes a $10 million maximum. [3]

CFC puts Tech E&O, contract, IP, media and cyber in one Technology package with up to $10 million in limits. Relm sells Tech E&O and cyber as separate policies and offers a dedicated Fintech E&O product for blockchain flaws and regulatory scrutiny.

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
    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

  7. 07
    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

  8. 08
    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

  9. 09
    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

  10. 10
    Cyber and Technology Errors and Omissions

    Relm Insurance · What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? · accessed 2026-09-23

  11. 11
    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

  12. 12
    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

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

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