--- title: "CFC vs Coverdash Tech E&O Insurance" description: "CFC underwrites a packaged Technology policy; Coverdash brokers Tech E&O digitally and does not name the issuing carrier on the product page." canonical: "https://spot.insure/compare/cfc-vs-coverdash/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cfc-vs-coverdash/technology-errors-omissions) # CFC vs Coverdash Tech E&O Insurance CFC underwrites a packaged Technology policy; Coverdash brokers Tech E&O digitally and does not name the issuing carrier on the product page. ## Research Scope and Use Use this comparison to evaluate CFC and Coverdash for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary CFC’s Technology product is a packaged policy it underwrites, with published $10 million E&O/media/cyber limits. Coverdash arranges Tech E&O as a broker through a digital quote-to-purchase flow and does not name the insurer or publish limits. [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [8](https://www.coverdash.com/terms "Terms And Conditions") [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") ## What Is CFC Insurance? CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [CFC profile](https://spot.insure/insurance-providers/cfc) ## What Is Coverdash Insurance? Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [6](https://www.coverdash.com/faq "Frequently Asked Questions") [7](https://www.coverdash.com/about "About Us") [8](https://www.coverdash.com/terms "Terms And Conditions") [Coverdash profile](https://spot.insure/insurance-providers/coverdash) ## What Is Technology Errors and Omissions (E&O) Insurance? Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") ## Key Differences in Tech E&O Insurance ### Underwriter Versus Broker Placement CFC presents Technology as its own packaged product for tech companies. Coverdash arranges Tech E&O as a broker under standard brokerage terms, so the policy you receive is issued by a carrier Coverdash places rather than by Coverdash itself. [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [8](https://www.coverdash.com/terms "Terms And Conditions") [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") ### What Each Side Says the Cover Pays For CFC’s brochure names products-and-services liability (including financial loss, bodily injury or property damage), breach of client contracts, IP infringement and a cyber section inside the same package. Coverdash describes claims that software did not perform as promised, a project was late or missed spec, or client data was mishandled, plus defense even for a groundless claim, and lists Tech E&O separately from general professional liability. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") ### Published Limits and How You Apply CFC publishes a $10,000,000 E&O/media/cyber maximum, a $6,000,000 commercial general liability maximum and a $0 minimum deductible. Coverdash’s Tech E&O page does not publish limit, retention or deductible amounts. Coverdash describes a fully digital quote-to-purchase path where you can add general liability or cyber alongside Tech E&O; CFC’s US Technology application is a broker-returned form covering revenue, funding, hosting and MFA. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") ## What to Confirm in Tech E&O Insurance Quotes - Ask Coverdash which carrier issues the policy; the Tech E&O page does not name one. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") - Ask CFC which insurer backs the US Technology policy; the application does not name it. [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") - Get Coverdash’s actual limits and retentions in writing, since the product page leaves them unpublished. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") - Compare whether Coverdash’s placement includes cyber in the same policy or as a separate add, versus CFC’s in-package cyber. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") ## Offering Details | Criteria | CFC Technology Errors & Omissions | Coverdash Tech E&O Insurance | | --- | --- | --- | | 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. [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer..) | Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. [8](https://www.coverdash.com/terms "Terms And Conditions") [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state..) | | Issuing Insurer | 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](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: 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..) | The Tech E&O page does not name the insurer that issues the policy. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Reviewed Tech E&O page as of 2026-09-23; the page describes coverage without naming a specific carrier..) | | 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. [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application..) | Coverdash markets Tech E&O to businesses that build, sell or service technology, naming SaaS companies, dev shops, IT providers and consultants as examples. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting..) | | 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Product brochure 'Comprehensive cyber cover' section..) | Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made..)

Coverdash's coverage hub lists Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. [10](https://www.coverdash.com/coverage "Coverage Hub") (Evidence: Company-reported; scope: Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business..) | | Limits and Retentions | 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control..) | The Tech E&O page does not publish specific limit, retention or deductible amounts. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: Reviewed Tech E&O page as of 2026-09-23; figures are quote-specific and not shown on the public product page..) | | 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: 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..) | Not described in the reviewed sources. | | 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. [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: 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..) | Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. [9](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) | ## Full Comparison - [CFC vs Coverdash](https://spot.insure/compare/cfc-vs-coverdash): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [CFC vs Coverdash Commercial Property Insurance](https://spot.insure/compare/cfc-vs-coverdash/commercial-property) - [CFC vs Coverdash Crime Insurance](https://spot.insure/compare/cfc-vs-coverdash/crime) - [CFC vs Coverdash Cyber Insurance](https://spot.insure/compare/cfc-vs-coverdash/cyber) - [CFC vs Coverdash D&O Insurance](https://spot.insure/compare/cfc-vs-coverdash/directors-officers) - [CFC vs Coverdash Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/employment-practices) - [CFC vs Coverdash General Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/general-liability) - [CFC vs Coverdash Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-coverdash/kidnap-ransom) - [CFC vs Coverdash Management Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/management-liability) - [CFC vs Coverdash Media Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/media) - [CFC vs Coverdash Product Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/product-liability) - [CFC vs Coverdash Product Recall Insurance](https://spot.insure/compare/cfc-vs-coverdash/product-recall) - [CFC vs Coverdash Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-coverdash/professional-errors-omissions) - [CFC vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-coverdash/representations-warranties) - [CFC vs Coverdash Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-coverdash/umbrella-excess) - [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions) - [Alliance Risk vs Coverdash Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/technology-errors-omissions) - [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions) - [Amelia Risk vs Coverdash Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/technology-errors-omissions) - [At-Bay vs CFC Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-cfc/technology-errors-omissions) - [At-Bay vs Coverdash Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-coverdash/technology-errors-omissions) ## Sources ### CFC 1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16. 2. [Technology insurance | Start-ups and tech companies | CFC](https://www.cfc.com/en-us/products/industry/technology/). CFC; Technology product summary; Key features: Products and services liability, Breach of contract, IP rights infringement and media liability, Comprehensive cyber cover and incident response; Downloads. Accessed 2026-09-23. 3. [Technology | Product brochure (United States)](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Products and services liability; Breach of contract; IP infringement and media liability; Comprehensive cyber cover; Response app highlights; Limits and deductibles table. Accessed 2026-09-23. 4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23. 5. [Technology companies Insurance application form (US)](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Section 1: Company Details; Section 2: Activities; Section 3: Contract & Risk Management; Section 4: Cyber Security Risk Management; Section 6: Insurance Requirements; footer entity line. Accessed 2026-09-23. ### Coverdash 6. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15. 7. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15. 8. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23. 9. [Tech E&O Insurance](https://www.coverdash.com/coverage/tech-eo). Coverdash; Product introduction; Types of Coverage cards for Software failures, Missed deliverables, Data and security lapses, Legal defense; Who It's For industry list. Accessed 2026-09-23. 10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Professional & Management category listing Tech E&O separately from Professional Liability. Accessed 2026-09-23. ### Tech E&O Insurance Guide 11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16. 12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16. 13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cfc-vs-coverdash/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)