CFC vs 
Embroker: How Do They Compare for Tech E&O Insurance?
Embroker can sell directly online, with limits up to $5 million for most insuring agreements in its broker program. CFC's Technology package goes up to $10,000,000 and is submitted through your own broker.
CFC's Technology package bundles E&O, contract, IP, media and cyber cover with a published maximum of $10 million, including copyright and trademark disputes; Embroker's blended Tech E&O and cyber policy, sold online or through brokers, offers up to $5 million but conflicts on whether IP infringement is covered. 2,6,5
What Are the Key Differences Between CFC and Embroker Tech E&O Insurance?
$10 Million Package With IP vs $5 Million Blended Policy
CFC's Technology product bundles E&O, contract, IP/media and cyber cover in one package with a published $10 million maximum, quoted through a broker application or named digital trading partners, with no published revenue cap. Embroker sells a blended Tech E&O and cyber policy directly to tech companies and through Embroker Access brokers, with limits up to $5 million for most insuring agreements and sub-limits for reputational harm, telecom fraud, social engineering, funds transfer fraud and bricking. Embroker's broker program takes private, for-profit tech firms under $300 million in revenue, requires multi-factor authentication above $5 million, and excludes crypto, blockchain and cannabis. Choose CFC if you need more than $5 million or have over $300 million in revenue; choose Embroker if you're a smaller private tech company that wants to buy online. 5 6 1 3 2
Clear IP Cover vs Conflicting IP Statements
CFC's brochure includes IP infringement such as copyright and trademark disputes. Embroker's retail page says its policy excludes copyright, libel and IP infringement, while its broker program lists software code infringement as included. If a customer or competitor could accuse your code of infringement, CFC's position is clearer; with Embroker you need to see the actual form. 2 5 6
What Should You Confirm in CFC and Embroker Tech E&O Insurance Quotes?
- Ask Embroker to show on the form whether software code infringement is covered or excluded. 5 6
- Compare Embroker's $5 million limit and sub-limits with CFC's $10 million maximum. 6 2
- If you need excess cover, note that Embroker's excess can't sit above an Embroker primary policy, so you'd need a different primary insurer. 5
- Check your revenue, MFA and industry against Embroker's rules. 6
CFC vs Embroker Tech E&O Insurance Compared
CFC vs Embroker: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Embroker Technology Errors and Omissions / Cyber Insurance |
|---|---|---|
| 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. 2Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. | Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). 6Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. 5Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here. |
| 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. | Embroker's broker program targets private, for-profit technology companies (including fintech, AI, digital health, HR tech and SaaS) with under $300 million in revenue, requires multifactor authentication for accounts above $5 million in revenue, and excludes businesses involved in crypto, blockchain or cannabis. 6Company-reported. Broker Access appetite page; not a guarantee of eligibility for a particular business, and may differ from retail underwriting appetite. |
| 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. | Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. 5,6Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research. |
| 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. | Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. 5Company-reported. Retail product-page What's covered section; the issued policy and declarations control. |
| 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. | Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. 5,6Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer. |
