CFC vs Hub International: Telehealth Insurance

CFC packages digital healthcare exposures in eHealth, including physician coverage and affirmative AI language. HUB International brokers a virtual-care package spanning professional, technology, cyber, and other liabilities, and flags coverage gaps to review.

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

CFC’s eHealth package automatically covers physicians and includes cyber, technology and healthcare liability; HUB can assemble medical professional, tech E&O, cyber, D&O and EPL lines for a virtual-care organization. CFC also lists IP coverage, while HUB flags Patient Compensation Fund state rules.

Sources reviewed

  1. 01
    Virtual Care

    Beazley · Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space · accessed 2026-09-16

  2. 02
    CFC responds to customer demand for affirmative AI cover

    CFC · Programme includes updates across... eHealth...; addressing model hallucination, AI generated content and model drift · accessed 2026-09-23

  3. 03
    Digital health insurance | eHealth

    CFC · Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product · accessed 2026-09-16

  4. 04
    Regulatory information

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

  5. 05
    Telehealth FAQs

    Florida Department of Health · What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient · accessed 2026-09-16

  6. 06
    Virtual Care Insurance Brokerage Coverage

    HUB International · Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization · accessed 2026-09-16

What Are the Key Differences Between CFC and HUB International Telehealth Insurance?

Packaged Policy Versus Brokered Lines

CFC offers eHealth as one package for digital healthcare rather than separate policies for telemedicine, mobile health, AI or remote monitoring. HUB’s healthcare practice arranges coverage but does not underwrite it; its page does not identify the insurer that would issue a quote. [3] [4] [6]

What Each Coverage List Includes

CFC lists bodily injury from healthcare services, technology activities, cyber events and system outages; technology E&O; products failing to perform; cyber and privacy; general liability, employers’ liability and legal expenses; and IP rights, plus automatic coverage for physicians. HUB lists virtual-care medical professional liability, technology E&O, products liability, cyber and data security, general liability, and management liability such as D&O and EPL. [3] [6]

D&O and employment practices sit on HUB’s list. CFC’s eHealth summary names IP rights and employers’ liability instead. If you need directors’ and officers’ cover in the same placement, that is a HUB-listed line; if you need IP in the telehealth package, that is on CFC’s list. [6] [3]

Who Is Eligible and Which State Rules Apply

CFC describes eligible businesses as any company that provides or uses digital healthcare technology day to day, including wellbeing clinics and labs, with worldwide jurisdiction. HUB targets healthcare organizations offering virtual care and telehealth, and flags Patient Compensation Fund states as having rules that can affect coverage. A clinic in a PCF state is checking HUB’s state-rule warning; a digital-health vendor that is not a licensed provider is checking CFC’s “uses digital healthcare technology” language. [3] [6]

Claims Handling

CFC says filing an eHealth claim starts by contacting one of its digital health experts. HUB’s reviewed virtual-care record describes assessing operational, financial and strategic risks as part of arranging coverage, not a named claims-intake team for this line. Ask HUB how a claim is reported once a policy is bound, and ask CFC who the digital-health expert is on your file. [3] [6]

What Should You Confirm in CFC and HUB International Telehealth Insurance Quotes?

  • Ask CFC whether physicians are automatic and whether 2026 AI wording is on the form. [3] [2]
  • Ask HUB which insurers quote each line and whether Patient Compensation Fund rules apply. [6]
  • Check HUB’s COVID-19 and virtual-injury flags against CFC’s bodily-injury-from-healthcare-services wording. [6] [3]
  • Confirm whether you need D&O or EPL in the same placement. [6]

Areas of coverage

CFC

  • role: CFC sells eHealth as one packaged policy for companies at the intersection of healthcare and technology, rather than as separate telemedicine, mHealth, AI, or remote-monitoring policies. eHealth product page, which lists telemedicine, mHealth, AI, and remote patient monitoring as sub-sectors under a single packaged product.company-reportedSource ↗
  • insurer: The reviewed eHealth product page does not name the insurer or Lloyd's syndicate carrying the risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to eHealth. Checked the eHealth page and CFC's regulatory information page; neither names an eHealth-specific carrier.not-disclosedSource ↗Source ↗
  • coverage: CFC lists the package as covering bodily injury arising from healthcare services, technology activities, cyber events, and system outages; technology errors and omissions; products failing to perform; cyber and privacy; general liability, employers' liability, and legal expenses; and IP rights and infringement, with worldwide jurisdiction. 'What does CFC's eHealth policy cover?' section of the product page; exact terms are set by the policy as issued.company-reportedSource ↗
  • coverage: CFC lists automatic coverage for physicians and medical practitioners as a key feature of the eHealth package. Key features section of the eHealth product page.company-reportedSource ↗
  • coverage: CFC says it added affirmative AI-related coverage language to its eHealth 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 ↗
  • eligibility: CFC's FAQ describes eligible businesses broadly as any company that provides or uses digital healthcare technology day to day, including wellbeing clinics and labs, not only medical practices. eHealth FAQ; a general description rather than a formal underwriting rule, and actual eligibility depends on underwriting.company-reportedSource ↗
  • application: CFC publishes a downloadable eHealth application form alongside the product brochure. Downloads section of the eHealth product page.company-reportedSource ↗
  • claims: CFC's FAQ says filing an eHealth claim starts with contacting one of its digital health experts, who guide the policyholder through the process. eHealth FAQ describing the claims process at a general level; does not disclose timelines or outcomes.company-reportedSource ↗

HUB International

  • role: HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. Product-page coverage list; the issued policies and their exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.company-reportedSource ↗
  • coverage: HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.company-reportedSource ↗
  • services: HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. Product-page service description; a company-reported capability.company-reportedSource ↗
  • insurer: The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗

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