CFC vs Hiscox

CFC’s U.S. technology brochure describes errors and omissions, cyber, media/IP infringement and general liability protection, including liability arising from client contract breaches. The brochure describes a package; the quote and wording determine which sections and exclusions apply. ²

CFC’s U.S. cyber catalogue lists Cyber Proactive Response, admitted cyber, Corporate cyber and cyber excess. These are distinct offerings; an admitted label on the website does not establish California eligibility or identical wording across products. ⁹

CFC markets management liability covering directors and officers, employment practices, fiduciary exposures and crime, and separately lists Side A DIC excess protection for directors and officers. Its U.S. management-liability brochure declines California-domiciled business; do not read these catalogue entries as California availability. ^10,11

CFC separately markets intellectual-property insurance for infringement defense, enforcement and related IP risks, including patent exposures. Its scope should be compared with the narrower IP provisions in any technology quote. ^14,2

CFC offers fintech insurance combining financial and technology liability with other financial-sector risks, eHealth for digital-health businesses, and life-science packages for businesses such as device or drug developers and nutraceutical companies. These sector products require their own underwriting and terms. ^23,19,22

CFC’s U.S. product pages also market professional E&O, property and general liability, media liability, medical malpractice, product recall, kidnap and ransom, and umbrella protection over professional liability, general liability or cyber. This catalogue does not mean every line is included in a technology policy or available for every California risk. ^{12,13,21,20,16,15,18}

CFC markets representations and warranties insurance, small-business buyer and seller protection, and secondary-liquidity transaction solutions. These are transaction-specific products rather than ordinary operating-company liability coverage. ¹⁷

Other CFC specialty offerings include carbon-credit delivery, cancellation and lender non-payment insurance; a CORSIA guarantee product; standalone sexual abuse and molestation liability through Safeprotect; terrorism insurance; and marine hull-war and kidnap-and-ransom cover. Their presence on the U.S. site does not resolve California placement eligibility. ^25,26,27,28

Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. ^{45,36,37,38,39,31}

Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. ^49,50,39

Hiscox also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. ^{40,41,42,43,44,55}

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

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

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. ^1,2,3,29

Hiscox says it is currently licensed to offer small-business insurance in 49 states and the District of Columbia, and that coverage is currently unavailable in Alaska. General liability and professional liability FAQs repeat the Alaska exclusion and say specialist brokers may be able to help if Hiscox does not sell online in an area. The 2026 Hiscox NOW appetite guide further says business owner’s policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Coverage remains subject to underwriting and class. ^{30,36,37,52,35}

A Los Angeles office on the contact page does not establish California product eligibility. Broker-facing Hiscox C-Suite materials say Hiscox is no longer entertaining management-liability risks in the metro areas of California. Appetite tables also mark many contractor professional-liability classes as not available in California. Confirm state, class and channel on the actual quote. ^51,55,52

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. ^3,6

Hiscox says eligible buyers can get a small-business quote online by entering a zip code and answering questions, and that general liability, professional liability, cyber and BOP are offered online. Licensed advisors are available by phone at posted Eastern Time hours. The general-liability FAQ says that after the application is completed, the policy is issued by email and a certificate appears in welcome documents. These are company-described steps; eligibility and binding conditions require confirmation on the actual application. ^45,36,30

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

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. ^6,3

Hiscox describes an online policyholder account for downloading policy documents, generating ACORD certificates, adding an authorized person, changing a same-state address or business name, requesting a loss run or waiver of subrogation, updating a certificate holder and submitting documents. Payment-method, new-state address, limit, additional-location, coverage-adjustment and cancellation requests are listed as phone-assisted. A certificate summarizes coverage and does not itself change the policy. ^47,48