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CFC vs Foxquilt

CFC markets technology insurance for startups through multinationals, with a package spanning E&O, cyber, media/IP and general liability; its U.S. technology application instructs applicants to complete the form and return it to their insurance broker. Foxquilt markets broader small-business CGL and E&O with online and agent or broker routes. Confirm the exact product, state eligibility and issuer for your risk. 1,2,3,32,35

Introduction

CFC’s specialist technology offering describes a package of E&O, cyber, media/IP and general liability for startups through multinational companies. Foxquilt markets small-business CGL and broader E&O online and through agent and broker channels. Start with CFC’s broker-led technology submission if you need E&O, cyber and media/IP considered together. Start with Foxquilt’s online CGL or E&O route if you want to begin a small-business liability purchase yourself. Neither route establishes your eligibility or the wording you will receive. 1 2 3 34 35 32

The coverage catalogue records marketed memberships, not equivalent forms or limits. Foxquilt’s HNOA is described as a commercial-auto feature; its technology class appears within broader E&O; its umbrella page does not establish a separate excess policy; and its cleaner-program mobile-equipment description is program-specific. 33 35 45 47

Coverage Comparison

CoverageCFCFoxquilt
Builders riskNot listedListed 40Builder’s risk product page; policy-specific construction terms not established.
Business owner’s policyNot listedListed 31Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Commercial autoNot listedListed 37Commercial auto product page; HNOA is not split out.
Commercial propertyListed 13CFC offers property coverage within its property and casualty product.Listed 39Commercial property product page.
CrimeListed 11,23CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Listed 46,47Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
Cyber liabilityListed 9CFC offers cyber insurance, including primary and excess products.Listed 38Cyber product page; policy terms and limits not established.
Directors and officersListed 11CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Not listed
Employment practices liabilityListed 11CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.Not listed
Fiduciary liabilityListed 11CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Not listed
General liabilityListed 13CFC offers general liability within its property and casualty product.Listed 34,32Company CGL product page; line-specific CGL membership only.
Hired and non-owned autoNot listedListed 33Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established.
Intellectual propertyListed 14CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry.Not listed
Kidnap and ransomListed 15CFC offers kidnap and ransom insurance, including a specialist marine product.Not listed
Management liabilityListed 10,11CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Not listed
Media liabilityListed 21CFC offers media liability insurance for content creators and media businesses.Not listed
Product liabilityListed 22CFC offers product liability within its life-science and nutraceutical policies.Not listed
Product recallListed 16CFC offers product-recall and contaminated-product-recall insurance.Not listed
Professional errors and omissions (E&O)Listed 12CFC offers professional liability insurance for professional-service businesses.Listed 35Professional E&O product page.
Representations and warrantiesListed 17CFC offers buyer-side and seller-side representations and warranties insurance.Not listed
Technology errors and omissions (E&O)Listed 2CFC offers technology errors and omissions for technology businesses.Listed 35Technology/creative class within broader E&O; no separate technology form established.
Tools, equipment and inland marineNot listedListed 31,47Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms.
Umbrella and excess liabilityListed 18CFC offers excess professional liability, general liability and cyber limits for small and micro businesses.Listed 31,45Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.
Virtual care and telehealthListed 19CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine.Not listed
Workers’ compensationNot listedListed 36Workers’ compensation page; state requirements vary.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

CFC

Managing general agent

Carrier & MGA

5.4/ 10

Assessed provider: CFC. Scope: CFC Underwriting Limited as the UK underwriting-management entity and CFC USA, Inc. as the US producer and managing general agent, for CFC-branded technology, cyber, professional and specialty products. US authority is verified in Georgia, Texas and Pennsylvania only, with delegated underwriting and All Lines adjusting authority verified in Texas alone. Capacity is assessed for one relationship and two states only: the appointment of CFC USA, Inc. by State National Insurance Company, Inc., NAIC 12831, recorded in Texas since 2022 and Pennsylvania since 2019, covering CFC's delegated admitted business in those states. No CFC product is mapped to that carrier by any source, and the arrangement is not evidence about CFC's business in the other 48 jurisdictions. Lloyd's Syndicate 1988 is a company-level disclosure and is not assessed as the capacity behind any named US programme. Financial resilience is assessed as CFC Underwriting Limited's ability to sustain its own operations; the insurer's capital is not CFC's and is out of scope.

Provider assessment

Foxquilt

No Spot Score

Assessment subject unavailable

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

CFC

-/ 10

Review Score

CFC has too little attributable customer feedback in the sources checked to support a service verdict. Confirm support and claims responsibilities before buying.[3]

Read CFC reviews

Foxquilt

-/ 10

Review Score

Foxquilt’s 3.5/5 Trustpilot score comes from eight reviews. Its Toronto BBB profile has no customer reviews; the A+ business grade measures something different. Neither establishes how U.S. commercial-policy customers fare.[5][6][7]

Read Foxquilt reviews

Which Technology Buyers Are Named?

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. 1Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 31,34,35Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

CFC names technology startups through multinationals, while Foxquilt’s cited pages address small businesses and include technology and creative professions within broader E&O. That difference can matter if your software, hardware, or client contracts call for a package built around technology risks rather than a small-business quote path. A stated target market is not an underwriting decision. 1 35

How Do Applicants Reach a Quote?

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 3,6Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 34,35,30Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

CFC’s published U.S. technology application instructs a senior staff member to complete it accurately with colleagues’ input and return it to the insurance broker. The /en-us/connect/ address currently redirects to /en-gb/connect/; that GB page’s broker-trading and appointment information does not establish a U.S. Connect route or product eligibility. Foxquilt offers online CGL and E&O quote and purchase paths, alongside agent and broker channels. Ask which route applies to your risk and when a quote becomes bindable. 3 6 30 32

Questions to Ask Before Applying

  • Does the proposed CFC technology policy combine the specific E&O, cyber, media/IP and liability sections you need, and which insurer will issue it? 2 4
  • For Foxquilt, does the quoted E&O form cover the technology services and customer-contract obligations in your business, and is cyber separate or included? Request the insurer, state availability and policy wording. 35 38
  • What information, turnaround, compensation and fees apply to the route you will actually use? A broker portal or online illustration is not a bound policy. 3 2 30 42

Compare Services

What each provider documents about the services you may need

CriteriaCFCFoxquilt
Customer focus

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. 1Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 31,34,35Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

Application process

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 3,6Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 34,35,30Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

Sources

CFC Official Website

  1. Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
  2. Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
  3. Technology companies — US application v2.4. CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
  4. Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
  5. About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
  6. Connect broker trading portal. CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
  7. CFC Response. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
  8. Notify a claim or cyber incident. CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
  9. Cyber insurance — US. CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16.
  10. Management liability. CFC; Management liability; Side A DIC. Accessed 2026-09-16.
  11. Management liability — United States product brochure. CFC; Page 1: opening coverage list; What else is in the policy?; What we decline. Accessed 2026-09-16.
  12. Professional liability. CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
  13. Property & casualty. CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16.
  14. Intellectual property insurance. CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
  15. Kidnap and ransom. CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16.
  16. Product recall. CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
  17. Transaction liability. CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
  18. Umbrella cover. CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16.
  19. Digital health insurance. CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16.
  20. Medical malpractice. CFC; Our medical malpractice products. Accessed 2026-09-16.
  21. Media & entertainment. CFC; Media product description. Accessed 2026-09-16.
  22. Life science. CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
  23. Fintech insurance. CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16.
  24. Financial institutions. CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
  25. Carbon insurance. CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
  26. Safeprotect misconduct liability. CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
  27. Terrorism. CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
  28. 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. CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

Foxquilt Official Website

  1. Commercial Insurance, Business Liability Coverage | Foxquilt. Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
  2. About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
  3. Become a Foxquilt Agent/Broker Partner. Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
  4. Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
  5. Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
  6. Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
  7. Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
  8. Commercial Auto Insurance. Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
  9. Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
  10. Commercial Property Insurance. Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
  11. Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
  12. Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
  13. Foxquilt Insurance Services | Consumer & Privacy Info. Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
  14. Agency Detail: Foxquilt Insurance Services LLC. Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
  15. Foxquilt official website. Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
  16. Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
  17. Smarter Crime Insurance. Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
  18. Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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