CFC vs 
Chubb: How Do They Compare for Tech E&O Insurance?
Both fold Tech E&O into a package with cyber. CFC publishes limits up to $10,000,000 and a $0 minimum deductible, while Chubb's DigiTech ERM targets software developers, IT consultants and hardware makers through agents and brokers.
CFC's Technology package publishes a $10 million maximum for E&O, media and cyber, deductibles from $0, and covers bodily injury or property damage from your products. Chubb's DigiTech ERM combines the same three lines for software, services and hardware firms, with no exclusion for late delivery, but publishes no limits. 1,2,5
What Are the Key Differences Between CFC and Chubb Tech E&O Insurance?
Two Combined Packages, Different Published Detail
CFC's Technology product combines E&O with media, cyber, breach-of-contract and IP cover. Chubb writes DigiTech ERM as a combined tech E&O, media and cyber policy for software developers, technology-services firms, consultants, and electronics and hardware manufacturers. Choose CFC if you want published limits and deductibles or your products could cause physical injury or damage; choose Chubb if project delays are your main risk and you want a single insurer your agent can quote on Chubb's platforms. 1 5 7
What Limits Are Published
CFC publishes a $10 million maximum for E&O, media and cyber, a $6 million general liability maximum, and a $0 minimum deductible. Chubb doesn't publish DigiTech limits or retentions, so you only see them on your quote. 2 5
Injury, Delay and Contract Language
CFC covers financial loss, bodily injury or property damage from your products and services, plus breach of client contracts. Chubb's DigiTech adds third-party financial injury from your products or services and has no exclusion for delays or failure to deliver. If you ship late, check how each form responds. 1 5
How You Quote
CFC's US Technology application goes back through your broker. Agents and brokers quote DigiTech ERM through Chubb's Cyber Central or Marketplace platforms. 3 5
What Should You Confirm in CFC and Chubb Tech E&O Insurance Quotes?
- Ask Chubb for the DigiTech E&O limit and retention; ask CFC whether general liability is on your quote. 2 5
- Ask CFC which insurer or Lloyd's syndicate backs your US policy; its application names CFC Underwriting Limited only as administrator. Chubb writes DigiTech itself. 4 3 5
- Compare bodily-injury, delay or failure-to-deliver, and copyright wording. 1 5
- Compare CFC's $0-deductible incident response with Chubb's cyber panel, hotline and Cyber Alert app. 2 5
CFC vs Chubb Tech E&O Insurance Compared
CFC vs Chubb: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Chubb DigiTech ERM (Technology Errors & Omissions) |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | Chubb targets DigiTech ERM at software and system developers, technology-services and consulting firms, and electronics and hardware manufacturers, naming examples such as value-added resellers, system integrators, IT consultants and hardware distributors. 5Company-reported. DigiTech ERM Target Clients list. |
| How to Apply | 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. 3,1Company-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. | Agents and brokers can quote DigiTech ERM through Chubb's Cyber Central or Marketplace quoting platforms, and Chubb lists E&O/Cyber among the coverage solutions available to technology companies generally. 5,7Company-reported. Cyber Insurance Coverage & Products quoting section; technology-industry products list. |
| Coverage Features | 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. 2Company-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. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | Beyond the Cyber ERM base, Chubb says DigiTech ERM adds technology errors and omissions coverage for third-party financial injury from the insured's products or services, a broadened definition of "technology incident," and coverage for software copyright infringement and product-recall loss of use, with no exclusion for delays or failure to deliver. 5Company-reported. DigiTech ERM Product Features list; subject to the policy as issued. |
| Role in This 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. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | Chubb underwrites technology errors and omissions coverage through DigiTech ERM, a single policy that combines tech E&O with media and cyber exposures rather than selling tech E&O standalone. 5Company-reported. Cyber Insurance Coverage & Products page, DigiTech ERM section. |
| Risk Services | 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. 2Company-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. | DigiTech ERM policyholders get the same cyber services as Cyber ERM, including a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app. 5Company-reported. Cyber Insurance Coverage & Products page; DigiTech ERM includes "all the features of Cyber ERM." |
