CFC vs Coalition Tech E&O Insurance

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. ^2,3Company-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. ⁶Company-reported. Tech E&O product page as read on 2026-09-23.

The Technology application form names only CFC Underwriting Limited, a UK entity authorized and regulated by the Financial Conduct Authority, as the party administering the form. Neither the Technology product page nor the application discloses which specific insurer or Lloyd's syndicate capacity backs a given US Technology policy. ^5,4Not publicly disclosed. Technology application footer and the regulatory information page, both checked on 2026-09-23; CFC's US arm, CFC USA Inc., separately holds admitted producer licenses and E&S authorization in NY, TX, GA and CA, but that page does not tie a specific license to the Technology product.

Coalition's disclaimer page lists Non-Admitted Cyber, Admitted Cyber, and Admitted Executive Risk sections naming specific carriers, but has no equivalent 'Admitted Tech E&O' section, indicating Tech E&O is placed on a non-admitted (surplus lines) basis with unaffiliated insurers that the disclaimer does not name. ¹⁰Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer for a given policy.

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. ²Company-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. ⁶Company-reported. Tech E&O product page as read on 2026-09-23.

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. ³Company-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. ³Company-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. ⁶Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.

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. ³Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control.

Not described in the reviewed sources.

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. ³Company-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. ^6,11Company-reported. Tech E&O and Coalition Control pages as read on 2026-09-23.

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. ^5,2Company-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. ⁶Company-reported. Tech E&O product page as read on 2026-09-23.

Not described in the reviewed sources.

Coalition says the same in-house claims team handles both Tech E&O and cyber claims in one place, which it describes as a faster, more integrated resolution process. ⁶Company-reported. Tech E&O product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.