---
title: "Amelia Risk vs CFC Tech E&O Insurance"
description: "Amelia Risk brokers Tech E&O as a listed line; CFC writes a Technology package that bundles E&O, IP, media and cyber with published $10 million limits."
canonical: "https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions)

# Amelia Risk vs CFC Tech E&O Insurance

Amelia Risk brokers Tech E&O as a listed line; CFC writes a Technology package that bundles E&O, IP, media and cyber with published $10 million limits.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and CFC for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk places Technology E&O through a four-step brokerage process and does not name the insurer. CFC’s Technology product is a single package that bundles errors & omissions, breach-of-contract, IP and media liability, and cyber, with a published maximum E&O/media/cyber limit of $10 million. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [7](https://www.cfc.com/en-us/company/ "About CFC") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [12](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Brokered Line Versus a Package Policy

Amelia Risk is a brokerage that places Technology E&O as its own listed line. 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. The Technology application names CFC Underwriting Limited as the party administering the form and does not disclose which insurer or Lloyd’s syndicate issues the policy. Amelia Risk’s dedicated page also does not name an insurer. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [11](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

### Limits and Incident Response

CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000, with a minimum deductible of $0, plus 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 reviewed Tech E&O pages do not publish limits or a comparable incident-response service. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

### Who Applies and How

CFC says the product is suitable for start-ups, mid-size and multinational tech companies without a published revenue cutoff; the US application asks for revenue, funding history, subcontractors, hosting and multifactor authentication, and is returned to your insurance broker. Amelia Risk markets Tech E&O to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences clients, and says a company should generally consider it once people are using its technology, then runs a four-step brokerage process. [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [11](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

## What to Confirm in Tech E&O Insurance Quotes

- Ask whether you need Tech E&O alone (Amelia Risk’s listed line) or CFC’s bundled Technology package. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC")
- Compare CFC’s published $10 million E&O/media/cyber maximum with Amelia Risk’s unpublished limits. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Get the issuing insurer or syndicate; neither dedicated page names it. [11](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Confirm whether CFC’s $0-deductible incident response sits on a separate limit on your quote. [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC")

## Offering Details

| Criteria | Technology Errors and Omissions | CFC Technology Errors & Omissions |
| --- | --- | --- |
| 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. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer..) |
| Issuing Insurer | The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists..) | 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. [11](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: 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..) |
| 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule..)<br><br>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. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: 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. [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application..) |
| 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed..)<br><br>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. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Product brochure 'Comprehensive cyber cover' section..) |
| Limits and Retentions | Not described in the reviewed sources. | 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. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control..) |
| Risk Services | Not described in the reviewed sources. | 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. [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: 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..) |
| 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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. [11](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: 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..) |
| Claims Support | Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service..) | Not described in the reviewed sources. |

## Full Comparison

- [Amelia Risk vs CFC](https://spot.insure/compare/amelia-risk-vs-cfc): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Amelia Risk vs CFC Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/cyber)
- [Amelia Risk vs CFC D&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/directors-officers)
- [Amelia Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/employment-practices)
- [Amelia Risk vs CFC General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/general-liability)
- [Amelia Risk vs CFC Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-liability)
- [Amelia Risk vs CFC Product Recall Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/product-recall)
- [Amelia Risk vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/umbrella-excess)
- [Alliance Risk vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/technology-errors-omissions)
- [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Beazley Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/technology-errors-omissions)
- [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions)
- [Amelia Risk vs Coalition Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/technology-errors-omissions)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy?. Accessed 2026-09-23.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
6. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

### CFC

7. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
8. [Technology insurance | Start-ups and tech companies | CFC](https://www.cfc.com/en-us/products/industry/technology/). 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.
9. [Technology | Product brochure (United States)](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). 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.
10. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.
11. [Technology companies Insurance application form (US)](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). 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.

### Tech E&O Insurance Guide

12. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
13. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
14. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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