Amelia Risk vs CFC: How Do They Compare for Tech E&O Insurance?

CFC offers one technology package combining E&O, IP, media and cyber cover with a published top limit of $10,000,000, returned to your broker; Amelia Risk is the brokerage that gathers your details and approaches insurers.

CFC gives you one Technology policy that bundles E&O, breach of contract, IP, media and cyber cover, with published limits up to $10 million and $0-deductible incident response. Amelia Risk brokers Tech E&O as a separate line through a four-step process, with no published limits or insurer. ^5,^6,^3,^1,⁴

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

One Bundled Technology Policy vs a Broker Placing E&O Alone

CFC's Technology product is a single policy that bundles errors and omissions, breach-of-contract cover, IP infringement and media liability, and cyber. Amelia Risk is a broker that places Technology E&O as its own line, gathering your information, approaching insurers and reviewing quotes with you in four steps. Choose CFC if you want E&O and cyber on one policy with known maximums; choose Amelia Risk if you want a broker to shop E&O separately and advise on timing. ⁵ ¹ ³

$10 Million Limits and Free Incident Response vs No Published Terms

CFC publishes a maximum E&O/media/cyber limit of $10,000,000 and a maximum general liability limit of $6,000,000, a minimum deductible of $0, incident response at a $0 deductible on a separate limit, and a free app with dark web monitoring, phishing simulations and network scanning. Amelia Risk's Tech E&O pages publish no limits or incident-response service. With CFC, a breach response doesn't eat into your E&O limit. ⁶ ⁵ ¹

Start-Ups to Multinationals vs Deep-Tech and Life-Sciences Founders

CFC says the product suits start-ups, mid-size and multinational tech companies with no revenue cutoff; its US application asks about revenue, funding, subcontractors, hosting and multifactor authentication and goes through your broker. Amelia Risk markets Tech E&O to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies, and says to consider it once people are using your technology. ⁵ ⁷ ² ¹

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

Decide whether you need Tech E&O alone through Amelia Risk or CFC's bundled Technology policy. ³ ⁵
Compare CFC's $10 million maximum with the limits Amelia Risk quotes. ⁶ ¹
Ask both who issues the policy: CFC's application names CFC Underwriting Limited as administrator but not the insurer or Lloyd's syndicate, and Amelia Risk names none. ⁷ ⁸ ¹
Ask CFC to confirm the $0-deductible incident response sits on a separate limit on your quote. ⁵

Amelia Risk vs CFC Tech E&O Insurance Compared

Amelia Risk vs CFC: Tech E&O Insurance: documented features by provider

Criteria	Technology Errors and Omissions	CFC Technology Errors & Omissions
Who It’s For	Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ¹Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ²Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.	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. ⁵Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	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. ^7,⁵Company-reported. 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.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁶Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. 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. ⁶Company-reported. Product brochure 'Comprehensive cyber cover' section.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	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. ^5,⁶Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer.