---
title: "At-Bay vs CFC Insurance"
description: "Compare At-Bay and CFC technology products for a pre-revenue software company, including IP scope and California product restrictions."
canonical: "https://spot.insure/compare/at-bay-vs-cfc"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "CFC"]
---

[Human-readable page](https://spot.insure/compare/at-bay-vs-cfc)

# At-Bay vs CFC Insurance

Compare At-Bay and CFC technology products for a pre-revenue software company, including IP scope and California product restrictions.

## Research Scope and Use

Use this comparison to evaluate At-Bay and CFC against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay markets combined technology E&O and cyber insurance. CFC is a specialist MGA with a technology package and additional specialty products; its technology materials expressly include pre-revenue businesses. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [14](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [17](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")



## Introduction

A pre-revenue software company can incur customer obligations before it has a mature revenue history. CFC explicitly includes pre-revenue businesses in its technology audience and describes technology, cyber, media and intellectual-property elements. At-Bay describes combined technology E&O and cyber. The useful comparison is whether each proposed form accepts the business and addresses the contract’s specific liabilities. [14](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [15](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### CFC

- Technology E&O, cyber and media in a package [15](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)
- Cyber threat monitoring and 24/7 incident support [20](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | At-Bay | CFC |
| --- | --- | --- |
| Commercial property | Not listed | Listed [26](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") |
| Crime | Not listed | Listed [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [36](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [22](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") |
| Directors and officers | Not listed | Listed [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") |
| Employment practices liability | Not listed | Listed [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") |
| Fiduciary liability | Not listed | Listed [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") |
| General liability | Not listed | Listed [26](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") |
| Intellectual property | Not listed | Listed [27](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") |
| Kidnap and ransom | Not listed | Listed [28](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") |
| Management liability | Not listed | Listed [23](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") |
| Media liability | Not listed | Listed [34](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") |
| Medical malpractice | Not listed | Listed [33](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") |
| Product liability | Not listed | Listed [35](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") |
| Product recall | Not listed | Listed [29](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [25](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") |
| Representations and warranties | Not listed | Listed [30](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed [15](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [31](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") |
| Virtual care and telehealth | Not listed | Listed [32](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and CFC

### Intellectual Property Is Not One Coverage Promise

CFC’s technology package includes IP-related language, while it separately markets intellectual-property insurance. The separate product’s scope should not be imported into the technology package. Ask which rights and allegations the quoted form addresses, especially if a customer asks for broad infringement indemnity. At-Bay’s technology description similarly needs supporting wording for the obligation at issue. [15](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [27](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### California Restrictions Must Stay Attached to Their Product

CFC’s management-liability materials decline California-domiciled businesses and standalone EPL in that program. That restriction is not evidence that all CFC technology coverage is unavailable in California. The reviewed public documentation leaves the technology route unresolved, as it does At-Bay’s current product acceptance. Ask a broker for product-specific confirmation on both sides. [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [17](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [5](https://www.at-bay.com/licenses/ "Licenses")

### Both Require the Actual Placement Details

CFC’s MGA role and its references to Lloyd’s arrangements do not identify every policy’s insurer. At-Bay’s historical own-paper announcement also cannot settle the current issuer. CFC’s technology application and At-Bay’s platform describe broker-mediated underwriting, so a founder should plan for a completed submission rather than infer automatic acceptance from the audience description. [17](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [16](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [11](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

## What to Confirm in Quotes

Provide revenue stage, planned launch, contracts and IP obligations. Request the proposed forms, California route, insurer, accepted professional services and any separate IP policy. Compare cyber response services by included tasks and charges, not by an unverified promise of incident outcomes. [20](https://www.cfc.com/en-us/response/ "CFC Response") [7](https://www.at-bay.com/stance/ "At-Bay Stance")



## Service Comparison

At-Bay vs CFC Insurance: documented services and availability.

| Criteria | At-Bay | CFC |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | CFC is a specialist insurance provider operating an MGA model: a managing general agent performs underwriting functions for insurance capacity providers. Its disclosures identify CFC Underwriting Limited and the U.S. producer CFC USA, Inc.; the CFC brand should not be treated as the name of every policy’s insurer. [18](https://www.cfc.com/en-us/company/ "About CFC") [17](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) |
| Customer focus | At-Bay markets Tech E&O to technology businesses. Its current product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits; the broker-platform route has lower published ceilings of $100 million in revenue and $3 million in limits. These are appetite ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | CFC markets its technology products to startups, midsize companies and multinationals, including businesses before they generate revenue. That stated audience does not establish acceptance of a particular business. [14](https://www.cfc.com/en-us/products/industry/technology/ "Technology") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) |
| Availability | At-Bay lists California P&C and surplus-lines license number 0L73812 for At-Bay Insurance Services LLC. This is a company disclosure, not an independently checked California Department of Insurance record or confirmation that a particular product is available. [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: California producer route; no regulator record retrieved.; verified: 2026-09-16.)<br><br>The reviewed product and licensing pages do not establish current California eligibility for a specific startup, product and issuing insurer. At-Bay warns that products may not be available in every state, and MPL has state restrictions; obtain California placement confirmation through the broker. [5](https://www.at-bay.com/licenses/ "Licenses") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.; verified: 2026-09-16.) | CFC reports that CFC USA, Inc. holds producer licenses in all 50 states and Washington, D.C., plus excess and surplus lines authorization in California, Georgia, New York and Texas. It identifies its California licensing name as CFC General Insurance Agency, Inc. This is CFC’s disclosure, not an independently checked California license record or confirmation of product eligibility. [17](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC’s January 2026 U.S. management-liability brochure lists California-domiciled business and standalone employment practices liability under risks it declines. This restriction is specific to the described management-liability offering; it does not establish a California exclusion for every CFC product. [24](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed U.S. technology page, brochure and application do not establish the currently available admitted or surplus-lines route for a particular California startup. CFC announced admitted technology E&O in 2023, but the reviewed materials do not supply a current California product eligibility schedule. [14](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [15](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [16](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [42](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/ "CFC launches admitted offerings for professional liability and technology E&O") (Evidence: Not found in reviewed sources; scope: California technology-product access only. General producer authorization is separate from product eligibility. No live quote or state filing was obtained.; verified: 2026-09-16.) |
| Application process | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | The U.S. technology application asks a senior staff member to complete it and return it to the company’s insurance broker. It requests revenue, funding, subsidiaries, products, major contracts, security controls, IP procedures and claims history. CFC’s Connect portal separately supports broker trading and describes a broker appointment process. [16](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [19](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is CFC Insurance?](https://spot.insure/insurance-providers/cfc)

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## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [CFC Official Website](https://www.cfc.com/en-us/)

14. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
15. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
16. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
17. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988; CFC USA Inc.. Accessed 2026-09-16.
18. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
19. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
20. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
21. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; General enquiries or claims; Experiencing a cyber incident now?. Accessed 2026-09-16.
22. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response; Cyber (admitted); Corporate cyber; Cyber excess. Accessed 2026-09-16.
23. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16.
24. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: coverage; What we decline; Management liability. Accessed 2026-09-16.
25. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
26. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product. Accessed 2026-09-16.
27. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
28. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product and Key features. Accessed 2026-09-16.
29. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall. Accessed 2026-09-16.
30. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Seller protect; Buyer protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
31. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description. Accessed 2026-09-16.
32. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product; Telemedicine; mHealth; Artificial intelligence; Remote patient monitoring. Accessed 2026-09-16.
33. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16.
34. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16.
35. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences; Nutraceuticals; What does CFC’s life science policy cover?. Accessed 2026-09-16.
36. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; Fintech product; What does CFC’s fintech policy cover?. Accessed 2026-09-16.
37. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
38. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
39. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
40. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
41. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
42. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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