CFC vs Vouch: Technology E&O Insurance

Vouch is a broker with an online Get Started flow, serving tech companies from first customer contract through IPO. CFC's application goes through your insurance broker, and its package reaches $10,000,000.

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

CFC’s Technology package puts E&O, bodily injury or property damage from your products, and cyber for your own systems in one policy with limits up to $10 million. Vouch is a broker that places tech E&O for AI, SaaS, fintech, hardware and crypto companies from first contract through IPO.

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 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

  11. 11
    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

  12. 12
    Insurance for Technology Companies

    Vouch · Core coverages for Technology: Tech Errors & Omissions...; Blog: What Does Tech Errors & Omissions Insurance Cover? "Technology Errors & Omissions Insurance protects companies from client claims over software bugs, system failures, or service mistakes." · accessed 2026-09-23

  13. 13
    What Does Tech Errors & Omissions Insurance Cover?

    Vouch · October 20, 2025; What Tech E&O Insurance Covers: Service Errors or Failures, Professional Negligence, Missed Deliverables or Deadlines, Breach of Contract or Warranty, Accidental Intellectual Property Infringement, Third-Party Data Breach Liability, Employee Errors or Misrepresentation, Legal Defense, Settlements, and Judgments; What Tech E&O Insurance Doesn't Cover; How Tech E&O and Cyber Coverage Work Together · accessed 2026-09-23

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

An All-in-One Package vs a Broker’s E&O Placement

CFC underwrites a Technology package for startups, mid-size and multinational tech companies, with a $10 million maximum for E&O, media and cyber and incident response at a $0 deductible on a separate limit; you apply through a broker. Vouch is a broker, not an insurer, that places tech E&O for AI, SaaS, eCommerce, fintech, hardware and crypto companies from first customer contract through IPO, starting with an online “Get Started” application, and publishes no limits. Choose CFC if you want E&O and cyber in one policy with a known maximum; choose Vouch if you’re a crypto or fintech startup that wants to apply online. [5] [3] [4] [12]

Product Injury and Own-System Cyber Included vs Excluded

CFC’s brochure covers financial loss, bodily injury or property damage caused by your products and services, contract liability, IP infringement, and cyber for events on your own network. Vouch’s article says tech E&O covers service errors, negligence, missed deliverables, breach of contract or warranty, accidental IP infringement and third-party breach liability from a product vulnerability, but excludes bodily injury, property damage and cyber incidents on your own systems. With Vouch, you’ll need general liability and cyber policies alongside E&O. [3] [13]

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

  • Ask Vouch which insurer is quoting and how it will cover cyber on your own systems. [13] [12]
  • If you make hardware, compare Vouch’s bodily injury and property damage exclusion with CFC’s inclusion. [13] [3]
  • Get Vouch’s limits to compare with CFC’s $10 million maximum. [3]
  • Ask CFC which insurer issues Technology in the US; its application doesn’t say. [4]
  • If you’re a crypto company, confirm Vouch can place your E&O. [12]

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 ↗

Vouch

  • role: Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. Vouch's Technology practice page.company-reportedSource ↗
  • insurer: Neither the Technology page nor the tech E&O blog post names the insurer that underwrites Vouch's tech E&O placements. Pages checked on 2026-09-23.not-disclosedSource ↗Source ↗
  • eligibility: Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.company-reportedSource ↗
  • coverage: Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.company-reportedSource ↗
  • limits: Neither page publishes tech E&O policy limits or retentions; the blog says the amount of coverage a company chooses affects the cost of the policy without naming a range. Pages checked on 2026-09-23.not-disclosedSource ↗
  • application: Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. Vouch Technology page navigation.company-reportedSource ↗

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