--- title: "CFC vs Embroker Tech E&O Insurance" description: "CFC publishes a $10M Technology package; Embroker’s blended Tech E&O/Cyber program advertises $5M limits and conflicting IP wording." canonical: "https://spot.insure/compare/cfc-vs-embroker/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-embroker/technology-errors-omissions) # CFC vs Embroker Tech E&O Insurance CFC publishes a $10M Technology package; Embroker’s blended Tech E&O/Cyber program advertises $5M limits and conflicting IP wording. ## Research Scope and Use Use this comparison to evaluate CFC and Embroker 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 Embroker sells a blended Tech E&O/Cyber policy with advertised limits up to $5 million and mixed statements on copyright cover. CFC’s Technology package publishes a $10 million E&O/media/cyber maximum and includes IP infringement in the brochure description. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") ## 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 Embroker? Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [6](https://www.embroker.com/ "Embroker") [7](https://www.embroker.com/terms/ "Terms And Conditions") [8](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## 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 ### Blended Direct Policy Versus CFC’s Package Embroker sells Tech E&O/Cyber as one blended policy both direct to technology companies and through appointed brokers on Embroker Access. CFC’s Technology product is a single package returned through a broker application (or named digital trading partners), bundling E&O, contract, IP/media and cyber. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") ### Limits, Excess Rules and Who Can Buy Embroker’s broker program advertises limits up to $5 million for most insuring agreements, with listed sub-limits for reputational harm, telecom fraud, social engineering, funds transfer fraud and bricking. CFC publishes a $10,000,000 E&O/media/cyber maximum. Embroker also sells excess Tech E&O/Cyber that cannot sit above an Embroker primary; CFC’s reviewed pages do not describe that excess restriction. Embroker’s broker appetite is private, for-profit tech firms under $300 million in revenue, with MFA required above $5 million and crypto, blockchain and cannabis excluded. CFC does not publish a revenue cutoff. [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") ### Intellectual Property Wording Conflict CFC’s brochure includes IP infringement such as copyright and trademark disputes in the Technology package. Embroker’s retail page says the policy excludes copyright, libel and intellectual-property infringement, while the broker program lists software code infringement as included—so an Embroker quote needs the actual form, not either page alone. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") ## What to Confirm in Tech E&O Insurance Quotes - Reconcile Embroker’s retail IP exclusions with the broker program’s software-code infringement feature on the specimen form. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") - Compare Embroker’s $5 million advertised limit and named sub-limits with CFC’s $10 million published maximum. [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") - If you need excess, confirm Embroker will not sit above its own primary and what underlying carrier CFC or another market would provide. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") - Check Embroker’s revenue, MFA and excluded-industry rules against your profile. [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") ## Offering Details | Criteria | CFC Technology Errors & Omissions | Embroker Technology Errors and Omissions / Cyber 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..) | 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. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](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..) | | 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..) | Not described in the reviewed sources. | | 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..) | 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. [10](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..) | | 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..) | 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. [9](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..)

Embroker's retail page says the policy excludes criminal activity, financial insolvency, copyright infringement or libel claims, and intellectual property infringement, while its broker program advertises software code infringement coverage as an included feature. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Embroker Tech E&O / Cyber – EMB Access") (Evidence: Conflicting sources; scope: Retail What's not included section versus the broker program's Additional features list; the public descriptions do not reconcile this difference, so confirm the proposed form's exact IP-related coverage on a quote..) | | 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..) | 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). [10](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..)

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. [9](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..) | | 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..) | 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. [9](https://www.embroker.com/coverage/tech-errors-omissions/ "Tech E&O Insurance Quotes and Coverage") [10](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..) | ## Full Comparison - [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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [CFC vs Embroker Commercial Property Insurance](https://spot.insure/compare/cfc-vs-embroker/commercial-property) - [CFC vs Embroker Crime Insurance](https://spot.insure/compare/cfc-vs-embroker/crime) - [CFC vs Embroker Cyber Insurance](https://spot.insure/compare/cfc-vs-embroker/cyber) - [CFC vs Embroker D&O Insurance](https://spot.insure/compare/cfc-vs-embroker/directors-officers) - [CFC vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-embroker/employment-practices) - [CFC vs Embroker General Liability Insurance](https://spot.insure/compare/cfc-vs-embroker/general-liability) - [CFC vs Embroker Management Liability Insurance](https://spot.insure/compare/cfc-vs-embroker/management-liability) - [CFC vs Embroker Product Liability Insurance](https://spot.insure/compare/cfc-vs-embroker/product-liability) - [CFC vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-embroker/professional-errors-omissions) - [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions) - [Alliance Risk vs Embroker Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/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 Embroker Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/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 Embroker Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-embroker/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. ### Embroker 6. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 7. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 8. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 9. [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. 10. [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. ### 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-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)