CFC vs HUB International: How Do They Compare for Tech E&O Insurance?

If you want a broker to customize E&O to your size, industry and limits, HUB International does that and describes no online quote flow. CFC's Technology package bundles E&O, IP, media and cyber with limits up to $10,000,000.

CFC gives tech companies one package covering E&O, contract, IP, media and cyber with up to $10 million; HUB is a broker that shops Tech E&O and can structure prior-acts cover back to a retroactive date plus tail cover. HUB publishes no limits. ^1,^2,^5,⁶

What Are the Key Differences Between CFC and HUB International Tech E&O Insurance?

One Tech Package vs a Broker's Custom Placement

CFC sells a named Technology package bundling E&O, breach of contract, IP and media, and cyber, with a published maximum of $10 million for E&O, media and cyber. HUB brokers technology E&O through its general E&O practice and its technology-industry team, and doesn't issue policies or publish limits. Choose CFC if you want E&O and cyber on one policy with a known ceiling; choose HUB if you're changing insurers and need your prior-acts date protected, or want several lines placed together. ¹ ² ⁵ ⁶

Continuity Cover vs Bundled Cyber

HUB says E&O typically pays defense, judgments, settlements and fines for misrepresentation, breach of professional services, wrongful practices and misleading advice, and can include prior-acts cover back to a retroactive date and tail cover for an extended reporting period. Those protect you for past work when you switch insurers or close the company. CFC's package includes cyber, which HUB's E&O page doesn't address. ⁵ ²

What Should You Confirm in CFC and HUB International Tech E&O Insurance Quotes?

Ask HUB for your retroactive date and tail options in writing; its page describes them as typical, not guaranteed. ⁵
Ask HUB for per-claim and aggregate limits. ⁵
Check HUB's proposed form against CFC's contract, IP and cyber cover. ²
Ask both which insurer issues the policy; neither page names one. ⁵ ³

CFC vs HUB International Tech E&O Insurance Compared

CFC vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	CFC Technology Errors & Omissions	HUB International Technology Errors and Omissions 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.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁶Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
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. ^3,¹Company-reported. 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.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ⁵Company-reported. Product-page call to action as read 2026-09-23.
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.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ⁵Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
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.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^5,⁶Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.