At-Bay vs 
CFC: How Do They Compare for Tech E&O Insurance?
CFC's Technology product is one package combining E&O, IP, media and cyber, with limits up to $10,000,000, applied for through your broker. At-Bay writes Tech E&O, primary or excess, for businesses with revenue up to $5 billion.
At-Bay writes Tech E&O on its own, primary or excess, with up to $10 million for E&O alone and At-Bay Stance security services on every policy. CFC's Technology package puts E&O, IP, media and cyber under one $10 million maximum, with incident response on a separate $0-deductible limit. 1,5,6
What Are the Key Differences Between At-Bay and CFC Tech E&O Insurance?
Standalone Tech E&O vs an E&O-Plus-Cyber Package
At-Bay writes Tech E&O as its own technology liability product, primary or excess. CFC's Technology product bundles errors and omissions, breach of contract, IP and media liability with cyber cover: network and privacy liability, business interruption, data recreation, extortion and social engineering. Choose At-Bay if you already have cyber or need a dedicated E&O limit or excess layer; choose CFC if you want E&O and cyber from one insurer in one package. 6 5 1
What the $10 Million Limit Applies To
At-Bay writes Tech E&O limits up to $10 million. CFC's $10 million maximum covers errors and omissions, media and cyber together, so a cyber claim can use up limit you'd otherwise have for an E&O claim. 1 6
Contract and IP Terms
At-Bay expands breach-of-contract cover, has no exclusion for breach of warranties, guarantees or consequential damages, and extends IP infringement to trade-secret misappropriation. CFC covers financial loss, bodily injury or property damage from your products and services, plus breach of client contracts and copyright or trademark disputes. 1 5
Security and Incident-Response Services
Every At-Bay Tech E&O policy includes At-Bay Stance: vulnerability monitoring, vCISO advisory, tabletop exercises and awareness training. CFC gives you incident response at a $0 deductible on a limit separate from the main policy, plus an app for dark web monitoring, phishing simulations and network scanning. 1 5
What Should You Confirm in At-Bay and CFC Tech E&O Insurance Quotes?
- Ask CFC how much of its $10 million is available for E&O if a cyber claim hits first. 1 6
- Ask CFC whether trade-secret misappropriation and warranty claims are covered, as At-Bay's form states. 1 5
- Ask At-Bay whether incident response is included or needs a separate cyber policy. 1 5
- Ask both which insurer or Lloyd's syndicate issues your policy. 1 7
At-Bay vs CFC Tech E&O Insurance Compared
At-Bay vs CFC: Tech E&O Insurance: documented features by provider
| Criteria | At-Bay Tech E&O Insurance | CFC Technology Errors & Omissions |
|---|---|---|
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. 1Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts. | 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. 6Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. |
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | 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 | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. | 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 | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote. | 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. |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | 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. 6Company-reported. 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. |
