CFC vs 
Coalition: How Do They Compare for Tech E&O Insurance?
CFC says its Technology package suits start-ups, mid-size and multinational tech companies, with the application returned through your insurance broker. Coalition sells Tech E&O only with Active Cyber, through appointed brokers or a consultation.
CFC's Technology policy bundles E&O, breach of contract, IP, media and cyber with published limits up to $10 million, and also covers bodily injury and property damage from tech failures. Coalition only sells Tech E&O with its Active Cyber policy and adds free security monitoring. 1,2,5
What Are the Key Differences Between CFC and Coalition Tech E&O Insurance?
Broad All-in-One Package vs Tech E&O Tied to Cyber
CFC's Technology policy already combines E&O, contract, IP and media, and cyber, with a published maximum of $10 million for E&O, media and cyber. Coalition designs Tech E&O to go with its Active Cyber Insurance and doesn't sell it alone, and publishes no matching limit. Choose CFC if your products could cause physical harm or you want IP and media cover in one policy with a known limit; choose Coalition if you want Tech E&O paired with its cyber policy and security tools. 1 2 5
Physical Harm Covered at CFC, Financial Loss Only at Coalition
Both cover a client's financial loss when your product or service fails. CFC also names bodily injury, property damage and copyright or trademark disputes, which matters for hardware, IoT or health-tech firms. Coalition's examples stay on financial loss from bugs, delays and missed contract requirements. 2 5
Two Different Security Add-Ons
CFC includes incident response with a $0 deductible on its own limit, plus an app for dark-web monitoring, phishing simulations and network scanning. Coalition includes its Control platform at no extra cost, with attack-surface monitoring, vendor-risk monitoring and zero-day alerts. 2 7
What Should You Confirm in CFC and Coalition Tech E&O Insurance Quotes?
- Ask CFC which insurer or Lloyd's syndicate issues the U.S. policy; the application names only CFC as administrator. 3
- Ask Coalition which insurer writes its Tech E&O; it appears to be non-admitted, meaning no state guaranty-fund backing. 6
- Confirm Coalition will only bind Tech E&O with Active Cyber. 5
- Compare CFC's limit and deductible with Coalition's quoted figures. 2
CFC vs Coalition Tech E&O Insurance Compared
CFC vs Coalition: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Coalition Technology Errors & Omissions Coverage |
|---|---|---|
| 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. | Coalition markets Tech E&O to any organization that provides a technology product or service in exchange for a fee, citing exposures such as software downtime and failures in technology services or products. 5Company-reported. Tech E&O product page as read on 2026-09-23. |
| 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. | Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. 5Company-reported. Tech E&O product page as read on 2026-09-23. |
| 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. | Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. 5Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| 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. | Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. 5Company-reported. Tech E&O product page as read on 2026-09-23. |
| 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. | Coalition says Tech E&O policyholders get access to Coalition Control at no extra cost, including attack-surface monitoring, vendor-risk monitoring, and zero-day alerts, the same platform provided to cyber policyholders. 5,7Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23. |
