CFC vs Techinsurance: Technology E&O Insurance

Both bundle Tech E&O with cyber. TechInsurance cites a median of $67 a month for IT firms, while CFC adds IP and media liability and publishes a $10,000,000 maximum limit.

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 ↗

TechInsurance

  • role: TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. Tech E&O product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a tech E&O policy. Tech E&O product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). Tech E&O product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.company-reportedSource ↗
  • eligibility: TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. Tech E&O product page, Technology professionals we insure section.company-reportedSource ↗
  • limits: TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗

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

IP Included and High Limits vs a Priced Two-Policy Bundle

CFC's Technology product is one package that includes E&O, breach of contract, IP/media and cyber, with a published $10 million maximum for E&O/media/cyber, a $6 million general liability maximum and deductibles from $0. TechInsurance sells two bundled policies, E&O and cyber liability, for software developers, managed service providers, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms. It says customers pay a median of $67 a month (about $807 a year), depending on profession, limits, access to personal data and claims history. Choose CFC if you need IP cover or limits in the millions; choose TechInsurance if you're a small IT firm that wants a budget figure up front. [10] [5] [3]

IP Usually Extra vs Copyright and Trademark Included

TechInsurance's E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract. Its cyber half covers your own systems and breaches on client systems you worked on. It says IP or copyright disputes aren't automatically included. CFC's brochure lists IP infringement such as copyright and trademark disputes as part of the package. If you license code or content, CFC covers that risk without an add-on. [10] [3]

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

  • Ask TechInsurance whether IP or copyright cover is added to your bundle, and at what cost. [10]
  • Ask both which insurer issues the policy; neither names one. [10] [4]
  • Compare your actual premium and limits with TechInsurance's $67 monthly median and CFC's $10 million maximum. [10] [3]

CFC's Technology package includes IP infringement and media liability with E&O and cyber, with limits up to $10 million and deductibles from $0; TechInsurance sells IT firms an E&O-plus-cyber bundle at a median of about $67 a month, but IP or copyright disputes usually have to be added.

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
    Technology Errors and Omissions - Tech E&O Insurance

    TechInsurance · Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure · 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

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