---
title: "CFC vs Embroker: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-embroker/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-embroker"
provider-a: "cfc"
provider-b: "embroker"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-embroker/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of CFC and Embroker for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about CFC versus Embroker. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Embroker for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, CFC or Embroker?
- What does CFC or Embroker publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: CFC and Embroker.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs Embroker](https://spot.insure/compare/cfc-vs-embroker) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile

# 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 offers up to $10 million with IP infringement included, while Embroker's blended Tech E&O and cyber policy tops out at $5 million and gives conflicting statements on IP cover.

## CFC vs Embroker Tech E&O Insurance Summary

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](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [5](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")

## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

### 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](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [5](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

## 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")
- Compare Embroker's $5 million limit and sub-limits with CFC's $10 million maximum. [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")
- 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage")
- Check your revenue, MFA and industry against Embroker's rules. [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access")

## CFC vs Embroker Tech E&O Insurance Compared

| 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. [2](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..) | 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). [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page..)<br><br>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. [5](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [1](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..) | 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: 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. [2](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..)<br><br>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. [2](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..) | 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. [5](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [2](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..) | 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](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [6](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Company-reported; scope: Retail and broker-facing page descriptions; not a statement about the issuing insurer..) |

## About CFC and Embroker and Tech E&O Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for CFC vs Embroker Tech E&O Insurance

- [CFC vs Embroker](https://spot.insure/compare/cfc-vs-embroker): 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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [CFC Tech E&O Insurance](https://spot.insure/insurance-providers/cfc/technology-errors-omissions)
- [Embroker Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions)

## Sources for CFC vs Embroker Tech E&O Insurance

### Sources About CFC

1. [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.
2. [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.
3. [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.
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.

### Sources About Embroker

5. [Tech E&O Insurance Quotes and Coverage](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; Why it's essential; Who needs this coverage; What is Technology Errors and Omissions / Cyber insurance?; What's covered; What's not included; What is excess Tech E&O / Cyber Insurance?; How to apply. Accessed 2026-09-23.
6. [Embroker Tech E&O / Cyber – EMB Access](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; Coverage Highlights; Additional features. Accessed 2026-09-23.

Updated 2026-09-29. 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-embroker/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)