CFC vs Coalition

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. ^5,4

Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. ^31,36

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. ³¹

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. ³¹

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. ⁴

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. ¹¹

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. ^1,2,3,29

Coalition states that Executive Risks is available to private and nonprofit U.S. organizations in all states and Washington, D.C., with up to $500 million in assets, 1,000 employees and $500 million in plan assets, subject to limitations. ³⁴

Coalition’s help center states that admitted and surplus cyber policies are offered in all 50 states and D.C., including California. Its product comparison lists Tech E&O and MPL under surplus coverage. This documents a California cyber placement route, but does not establish approval or the exact Tech E&O form for a particular applicant. ^39,40

CFC’s regulatory page identifies Lloyd’s Syndicate 1988, managed by Asta Managing Agency Ltd. The reviewed U.S. technology materials do not name the insurer or participating syndicates for a California buyer’s actual policy; ask for those names on the quote and declarations. ^4,2,3

Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. ^32,31

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. ^3,6

Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. ⁴²

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. ⁴¹

CFC says its cyber service includes threat monitoring and alerts, a response app and round-the-clock technical incident support. These are company-described services; access, scope and any conditions should be checked against the proposed policy. ⁷

The reviewed Connect and technology application pages do not specify a customer-facing renewal timetable, certificate turnaround or dedicated account-management commitment for California technology buyers. Confirm those arrangements with the placing broker. ^6,3

Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. ³⁷

Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. ⁴⁴