CFC vs 
Gallagher: How Do They Compare for Tech E&O Insurance?
Gallagher is a placement practice: more than 250 technology professionals place Tech E&O with outside carriers. CFC offers a single Technology package with limits up to $10,000,000 and a free app with dark web monitoring.
CFC is the insurer: its Technology package covers E&O, cyber, breach of contract and IP/media up to $10 million, with incident response at a $0 deductible. Gallagher is a broker placing combined tech E&O and cyber with outside insurers, backed by a 7,500-plus-client tech practice. 1,2,5
What Are the Key Differences Between CFC and Gallagher Tech E&O Insurance?
Insurer Package With $10 Million Limits vs Broker Placement
CFC underwrites a packaged Technology policy with a published $10 million maximum across E&O, media and cyber. Gallagher’s technology practice places tech E&O with outside insurers it doesn’t name and publishes no limits, retentions or premiums. Choose CFC if you want a known form, published capacity and incident response built in; choose Gallagher if you want a broker handling several lines across a larger tech or telecom program. 1 2 5
Contract and IP Named on the Form vs E&O Plus Cyber
Both combine professional E&O with cyber in one policy. CFC also names breach-of-contract and IP/media liability in the same package. If a customer contract dispute or IP claim is a real risk, CFC documents that cover; with Gallagher, ask. 5 2
Incident Response on the Policy vs Broker Tools
CFC provides incident response at a $0 deductible and a scanning app with the policy. Gallagher offers broker tools, including Drive analytics, a Go portal, STEP training, Submit tracking and Verify certificates. CFC helps you in a breach; Gallagher helps you manage your insurance program. 2 5
What Should You Confirm in CFC and Gallagher Tech E&O Insurance Quotes?
CFC vs Gallagher Tech E&O Insurance Compared
CFC vs Gallagher: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
|---|---|---|
| Who It’s For | CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. 5Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified. |
| Coverage Features | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. 5Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Role in This Line | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. 5Company-reported. Group-level technology industry practice page. |
| 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. 2Company-reported. 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. | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. 5Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. 5Company-reported. Group-level technology industry practice page. |
