---
title: "CFC vs Embroker"
description: "Compare CFC’s technology package with Embroker’s management suite, IP wording questions and renewal transition."
canonical: "https://spot.insure/compare/cfc-vs-embroker"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "CFC", "Embroker"]
---

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

# CFC vs Embroker

Compare CFC’s technology package with Embroker’s management suite, IP wording questions and renewal transition.

## Research Scope and Use

Use this comparison to evaluate CFC and Embroker against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

CFC markets technology liability and cyber insurance through a broker-led application. Embroker is a brokerage and program platform whose EMIS offering combines selectable management coverages and, for eligible technology businesses, Tech E&O/Cyber. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [31](https://www.embroker.com/terms/ "Terms And Conditions") [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS")



## Introduction

A startup renewing technology coverage while raising a round may also need D&O and employment-practices protection. CFC’s technology package and Embroker’s Management Insurance Suite present different ways to organize those requests. EMIS allows selected management coverages and eligible technology E&O/cyber in one application; CFC’s technology brochure addresses a defined set of operating liabilities. The useful comparison is the resulting coverage architecture, not the application count. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")

## Documented Provider Strengths

### CFC

- Technology E&O, cyber and media in a package [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)
- Cyber threat monitoring and 24/7 incident support [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)

### Embroker

- Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)
- Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [46](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [45](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | CFC | Embroker |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Commercial auto | Not listed | Listed [50](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") |
| Commercial property | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [51](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") |
| Crime | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Cyber liability | Listed [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Directors and officers | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Employment practices liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Fiduciary liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| General liability | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |
| Intellectual property | Listed [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") | Not listed |
| Key person | Not listed | Listed [49](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") |
| Kidnap and ransom | Listed [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") | Not listed |
| Management liability | Listed [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") | Listed [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") |
| Media liability | Listed [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") | Not listed |
| Medical malpractice | Listed [20](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") | Not listed |
| Product liability | Listed [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") | Listed [53](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") |
| Product recall | Listed [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") | Not listed |
| Professional liability / E&O | Listed [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [43](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") |
| Representations and warranties | Listed [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") | Not listed |
| Surety bonds | Not listed | Listed [52](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") |
| Technology errors and omissions | Listed [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") | Listed [40](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") |
| Umbrella and excess liability | Listed [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") | Listed [42](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") |
| Venture capital asset protection | Not listed | Listed [54](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") |
| Virtual care and telehealth | Listed [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") | Not listed |
| Workers’ compensation | Not listed | Listed [37](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between CFC and Embroker

### Management Packaging Does Not Resolve California Appetite

Embroker names Everspan Indemnity Insurance Company for EMIS. That relationship is product-specific, while Embroker also performs brokerage and delegated program work. CFC operates an MGA model but its reviewed technology materials do not identify the insurer for the buyer’s actual California policy. Ask for the insurer separately for each proposed section or policy. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [31](https://www.embroker.com/terms/ "Terms And Conditions") [5](https://www.cfc.com/en-us/company/ "About CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

CFC’s management-liability brochure declines California-domiciled business. Embroker’s state license list does not independently prove EMIS eligibility for that same business. A financing deadline calls for confirmed board coverage, not an inference from a national agency list or a broader technology appetite. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [34](https://www.embroker.com/licenses/ "Published License List") [31](https://www.embroker.com/terms/ "Terms And Conditions")

### Resolve IP Wording Before Comparing Technology Limits

CFC’s US technology brochure describes IP infringement and media liability. Embroker’s public documentation preserves a discrepancy: its retail technology page lists IP-related exclusions while the broker program advertises software-code infringement coverage. This is a reason to obtain the exact proposed wording and endorsements, not to declare that one brand always covers IP and the other never does. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [41](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [40](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program")

For a company promising indemnities to enterprise customers, ask which rights and allegations are covered and whether contractual obligations exceed the policy response. CFC also markets a separate IP product; its broader defense and enforcement description should not be imported into the technology package. [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")

### Renewal Can Mean a New Application or a Different Broker Route

Embroker says existing customers can renew legacy management products, but moving to EMIS requires a new-business application. Its FAQ also warns that a replacement broker outside Embroker Access may be unable to renew proprietary products. Review those transition choices before changing both coverage and broker in the same renewal cycle. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [33](https://www.embroker.com/faq/ "Insurance FAQ")

CFC’s form returns to the insurance broker, and Connect supports broker trading. The reviewed sources do not establish universal renewal portability or certificate service commitments. Obtain the broker’s renewal plan alongside the underwriting proposal instead of assuming that either platform guarantees continuity. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal")

## What to Confirm in Quotes

- Specify EMIS versus legacy products and the proposed California management route before scheduling a broker change. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [33](https://www.embroker.com/faq/ "Insurance FAQ") [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Resolve software-code infringement, media claims and contractual indemnities against the actual technology forms. [40](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [41](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")
- Identify insurer, retroactive dates, reporting continuity and all compensation or payment charges for the selected combination. [32](https://www.embroker.com/disclosure/ "Compensation Disclosure") [31](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4")



## Service Comparison

CFC vs Embroker: documented services and availability.

| Criteria | CFC | Embroker |
| --- | --- | --- |
| Business role | CFC is a specialist insurance provider operating an MGA model: a managing general agent performs underwriting functions for insurance capacity providers. Its disclosures identify CFC Underwriting Limited and the U.S. producer CFC USA, Inc.; the CFC brand should not be treated as the name of every policy’s insurer. [5](https://www.cfc.com/en-us/company/ "About CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [44](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [36](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)<br><br>Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [39](https://access.embroker.com/ "Embroker Access") [31](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)<br><br>The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [36](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; verified: 2026-09-15.) |
| Access to insurers | CFC’s regulatory page identifies Lloyd’s Syndicate 1988, managed by Asta Managing Agency Ltd. The reviewed U.S. technology materials do not name the insurer or participating syndicates for a California buyer’s actual policy; ask for those names on the quote and declarations. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: Technology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.; verified: 2026-09-16.) | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [42](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [43](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [44](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) |
| Application process | The U.S. technology application asks a senior staff member to complete it and return it to the company’s insurance broker. It requests revenue, funding, subsidiaries, products, major contracts, security controls, IP procedures and claims history. CFC’s Connect portal separately supports broker trading and describes a broker appointment process. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [55](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)<br><br>An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [31](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [31](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) |
| Servicing and renewals | CFC says its cyber service includes threat monitoring and alerts, a response app and round-the-clock technical incident support. These are company-described services; access, scope and any conditions should be checked against the proposed policy. [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed Connect and technology application pages do not specify a customer-facing renewal timetable, certificate turnaround or dedicated account-management commitment for California technology buyers. Confirm those arrangements with the placing broker. [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. [38](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. [33](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. [33](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. [33](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) |
| Availability | CFC reports that CFC USA, Inc. holds producer licenses in all 50 states and Washington, D.C., plus excess and surplus lines authorization in California, Georgia, New York and Texas. It identifies its California licensing name as CFC General Insurance Agency, Inc. This is CFC’s disclosure, not an independently checked California license record or confirmation of product eligibility. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC’s January 2026 U.S. management-liability brochure lists California-domiciled business and standalone employment practices liability under risks it declines. This restriction is specific to the described management-liability offering; it does not establish a California exclusion for every CFC product. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed U.S. technology page, brochure and application do not establish the currently available admitted or surplus-lines route for a particular California startup. CFC announced admitted technology E&O in 2023, but the reviewed materials do not supply a current California product eligibility schedule. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [29](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/ "CFC launches admitted offerings for professional liability and technology E&O") (Evidence: Not found in reviewed sources; scope: California technology-product access only. General producer authorization is separate from product eligibility. No live quote or state filing was obtained.; verified: 2026-09-16.) | Embroker publishes license numbers for all 50 states and Washington, D.C. That company list is not a product-availability map. Its terms make eligibility dependent on location and risk; this research did not independently verify the complete license list. [34](https://www.embroker.com/licenses/ "Published License List") [31](https://www.embroker.com/terms/ "Terms And Conditions") [35](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Company-reported; scope: Company state list checked; CDI query for California 0K44291 failed CAPTCHA. No producer or insurer license status asserted independently. No state-by-product availability matrix found.; verified: 2026-09-15.) |

## Related Reading

- [What Is CFC Insurance?](https://spot.insure/insurance-providers/cfc)
- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)

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- [CFC vs Cowbell](https://spot.insure/compare/cfc-vs-cowbell)
- [CFC vs Founder Shield](https://spot.insure/compare/cfc-vs-foundershield)
- [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher)
- [CFC vs Harper](https://spot.insure/compare/cfc-vs-harper)
- [CFC vs Heffernan](https://spot.insure/compare/cfc-vs-heffernan)
- [CFC vs Hiscox](https://spot.insure/compare/cfc-vs-hiscox)
- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international)
- [CFC vs Kinro](https://spot.insure/compare/cfc-vs-kinro)
- [CFC vs Layr](https://spot.insure/compare/cfc-vs-layr)
- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton)
- [CFC vs Marsh](https://spot.insure/compare/cfc-vs-marsh)
- [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo)
- [CFC vs Newfront](https://spot.insure/compare/cfc-vs-newfront)
- [CFC vs ERGO NEXT](https://spot.insure/compare/cfc-vs-next-insurance)
- [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance)
- [CFC vs Relm Insurance](https://spot.insure/compare/cfc-vs-relm)
- [CFC vs Resilience](https://spot.insure/compare/cfc-vs-resilience)
- [CFC vs RiskCube](https://spot.insure/compare/cfc-vs-riskcube)
- [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics)
- [CFC vs StartupInsurance.ai](https://spot.insure/compare/cfc-vs-startupinsurance)
- [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance)
- [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford)
- [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers)
- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi)
- [CFC vs Vouch](https://spot.insure/compare/cfc-vs-vouch)
- [CFC vs WithCoverage](https://spot.insure/compare/cfc-vs-withcoverage)
- [Chubb vs Embroker](https://spot.insure/compare/chubb-vs-embroker)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker)
- [Coterie Insurance vs Embroker](https://spot.insure/compare/coterie-vs-embroker)
- [Coverdash vs Embroker](https://spot.insure/compare/coverdash-vs-embroker)
- [Cowbell vs Embroker](https://spot.insure/compare/cowbell-vs-embroker)
- [Embroker vs Founder Shield](https://spot.insure/compare/embroker-vs-foundershield)
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher)
- [Embroker vs Harper](https://spot.insure/compare/embroker-vs-harper)
- [Embroker vs Heffernan](https://spot.insure/compare/embroker-vs-heffernan)
- [Embroker vs Hiscox](https://spot.insure/compare/embroker-vs-hiscox)
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international)
- [Embroker vs Kinro](https://spot.insure/compare/embroker-vs-kinro)
- [Embroker vs Layr](https://spot.insure/compare/embroker-vs-layr)
- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton)
- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh)
- [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo)
- [Embroker vs Newfront](https://spot.insure/compare/embroker-vs-newfront)
- [Embroker vs ERGO NEXT Insurance](https://spot.insure/compare/embroker-vs-next-insurance)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)
- [Embroker vs Relm Insurance](https://spot.insure/compare/embroker-vs-relm)
- [Embroker vs Resilience](https://spot.insure/compare/embroker-vs-resilience)
- [Embroker vs RiskCube](https://spot.insure/compare/embroker-vs-riskcube)
- [Embroker vs Risklytics Insurance](https://spot.insure/compare/embroker-vs-risklytics)
- [Embroker vs StartupInsurance.ai](https://spot.insure/compare/embroker-vs-startupinsurance)
- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance)
- [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford)
- [Embroker vs Travelers Insurance](https://spot.insure/compare/embroker-vs-travelers)
- [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi)
- [Embroker vs Vouch](https://spot.insure/compare/embroker-vs-vouch)
- [Embroker vs WithCoverage](https://spot.insure/compare/embroker-vs-withcoverage)

## Sources

### [CFC Official Website](https://www.cfc.com/en-us/)

1. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
2. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
3. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
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 2026-09-16.
5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
6. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
7. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
8. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; General enquiries or claims; Experiencing a cyber incident now?. Accessed 2026-09-16.
9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response; Cyber (admitted); Corporate cyber; Cyber excess. Accessed 2026-09-16.
10. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16.
11. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: coverage; What we decline; Management liability. Accessed 2026-09-16.
12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
13. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product. Accessed 2026-09-16.
14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
15. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product and Key features. Accessed 2026-09-16.
16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall. Accessed 2026-09-16.
17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Seller protect; Buyer protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
18. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description. Accessed 2026-09-16.
19. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product; Telemedicine; mHealth; Artificial intelligence; Remote patient monitoring. Accessed 2026-09-16.
20. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16.
21. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16.
22. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences; Nutraceuticals; What does CFC’s life science policy cover?. Accessed 2026-09-16.
23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; Fintech product; What does CFC’s fintech policy cover?. Accessed 2026-09-16.
24. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
25. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
26. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
27. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
28. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
29. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

### [Embroker Official Website](https://www.embroker.com/)

30. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
31. [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.
32. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
33. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
34. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15.
35. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15.
36. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
37. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15.
38. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15.
39. [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.
40. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15.
41. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
42. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15.
43. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15.
44. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
45. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
46. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
47. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15.
48. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
49. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15.
50. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15.
51. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15.
52. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15.
53. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15.
54. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15.
55. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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