---
title: "CFC vs HUB International Telehealth Insurance"
description: "CFC’s eHealth package auto-covers physicians; HUB brokers virtual-care lines and flags Patient Compensation Fund states."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/virtual-care-telehealth"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs HUB International Telehealth Insurance

CFC’s eHealth package auto-covers physicians; HUB brokers virtual-care lines and flags Patient Compensation Fund states.

## Research Scope and Use

Use this comparison to evaluate CFC and HUB International for Telehealth Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC sells eHealth as a packaged policy with automatic physician coverage, worldwide jurisdiction and 2026 AI wording. HUB brokers medical professional, tech E&O, products, cyber, general and management liability for virtual-care organizations and flags Patient Compensation Fund rules. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Virtual Care and Telehealth Insurance?

Virtual care and telehealth insurance addresses liability for healthcare services delivered through technology, including remote consultations. It doesn't automatically extend to cyber incidents, in-person malpractice, or product defects — those need separate confirmation in the quote. [11](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [12](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [13](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | eHealth")

## Key Differences in Telehealth Insurance

### Packaged Policy Versus Brokered Lines

CFC sells eHealth as one packaged policy rather than separate telemedicine, mHealth, AI or remote-monitoring policies. HUB brokers a package through its healthcare industry practice and does not underwrite. CFC’s reviewed eHealth record does not name the carrying insurer; HUB’s virtual-care record also does not name an issuing insurer. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

### What Each Coverage List Includes

CFC lists bodily injury from healthcare services, technology activities, cyber events and system outages; technology E&O; products failing to perform; cyber and privacy; general liability, employers’ liability and legal expenses; and IP rights, plus automatic coverage for physicians. HUB lists virtual-care medical professional liability, technology E&O, products liability, cyber and data security, general liability, and management liability such as D&O and EPL. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

D&O and employment practices sit on HUB’s list. CFC’s eHealth summary names IP rights and employers’ liability instead. If you need directors’ and officers’ cover in the same placement, that is a HUB-listed line; if you need IP in the telehealth package, that is on CFC’s list. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC")

### Who Is Eligible and Which State Rules Apply

CFC describes eligible businesses as any company that provides or uses digital healthcare technology day to day, including wellbeing clinics and labs, with worldwide jurisdiction. HUB targets healthcare organizations offering virtual care and telehealth, and flags Patient Compensation Fund states as having rules that can affect coverage. A clinic in a PCF state is checking HUB’s state-rule warning; a digital-health vendor that is not a licensed provider is checking CFC’s “uses digital healthcare technology” language. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

### Claims Handling

CFC says filing an eHealth claim starts by contacting one of its digital health experts. HUB’s reviewed virtual-care record describes assessing operational, financial and strategic risks as part of arranging coverage, not a named claims-intake team for this line. Ask HUB how a claim is reported once a policy is bound, and ask CFC who the digital-health expert is on your file. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

## What to Confirm in Telehealth Insurance Quotes

- Ask CFC whether physicians are automatic and whether 2026 AI wording is on the form. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover")
- Ask HUB which insurers quote each line and whether Patient Compensation Fund rules apply. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")
- Check HUB’s COVID-19 and virtual-injury flags against CFC’s bodily-injury-from-healthcare-services wording. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC")
- Confirm whether you need D&O or EPL in the same placement. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage")

## Offering Details

| Criteria | CFC eHealth Insurance | HUB International Virtual Care Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | CFC sells eHealth as one packaged policy for companies at the intersection of healthcare and technology, rather than as separate telemedicine, mHealth, AI, or remote-monitoring policies. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: eHealth product page, which lists telemedicine, mHealth, AI, and remote patient monitoring as sub-sectors under a single packaged product..) | HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | The reviewed eHealth product page does not name the insurer or Lloyd's syndicate carrying the risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to eHealth. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Checked the eHealth page and CFC's regulatory information page; neither names an eHealth-specific carrier..) | The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Not found in reviewed sources; scope: Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | CFC's FAQ describes eligible businesses broadly as any company that provides or uses digital healthcare technology day to day, including wellbeing clinics and labs, not only medical practices. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: eHealth FAQ; a general description rather than a formal underwriting rule, and actual eligibility depends on underwriting..) | HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page eligibility framing; not a published underwriting appetite by state or care specialty..) |
| Coverage Features | CFC lists the package as covering bodily injury arising from healthcare services, technology activities, cyber events, and system outages; technology errors and omissions; products failing to perform; cyber and privacy; general liability, employers' liability, and legal expenses; and IP rights and infringement, with worldwide jurisdiction. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: 'What does CFC's eHealth policy cover?' section of the product page; exact terms are set by the policy as issued..)<br><br>CFC lists automatic coverage for physicians and medical practitioners as a key feature of the eHealth package. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: Key features section of the eHealth product page..)<br><br>CFC says it added affirmative AI-related coverage language to its eHealth policy in 2026 as part of a rollout across seven products, explicitly addressing exposures like AI model hallucination, AI-generated content, and model drift rather than leaving them to implied or silent coverage. [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover") (Evidence: Company-reported; scope: CFC news release on the affirmative AI coverage programme; describes intent and scope of the update, not specific policy wording..) | HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policies and their exclusions control an actual claim..)<br><br>HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy..) |
| Risk Services | Not described in the reviewed sources. | HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. [10](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability..) |
| How to Apply | CFC publishes a downloadable eHealth application form alongside the product brochure. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: Downloads section of the eHealth product page..) | Not described in the reviewed sources. |
| Claims Support | CFC's FAQ says filing an eHealth claim starts with contacting one of its digital health experts, who guide the policyholder through the process. [5](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance | Award-winning eHealth insurance | CFC") (Evidence: Company-reported; scope: eHealth FAQ describing the claims process at a general level; does not disclose timelines or outcomes..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Virtual Care and Telehealth Insurance?](https://spot.insure/coverage/virtual-care-telehealth): Virtual care and telehealth insurance addresses liability for remote consultations and other health care delivered through technology.
- [CFC vs HUB International Commercial Property Insurance](https://spot.insure/compare/cfc-vs-hub-international/commercial-property)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)
- [CFC vs HUB International Cyber Insurance](https://spot.insure/compare/cfc-vs-hub-international/cyber)
- [CFC vs HUB International D&O Insurance](https://spot.insure/compare/cfc-vs-hub-international/directors-officers)
- [CFC vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/employment-practices)
- [CFC vs HUB International General Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/general-liability)
- [CFC vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/cfc-vs-hub-international/kidnap-ransom)
- [CFC vs HUB International Management Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/management-liability)
- [CFC vs HUB International Product Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/product-liability)
- [CFC vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-hub-international/professional-errors-omissions)
- [CFC vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-hub-international/representations-warranties)
- [CFC vs HUB International Tech E&O Insurance](https://spot.insure/compare/cfc-vs-hub-international/technology-errors-omissions)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [Beazley vs CFC Telehealth Insurance](https://spot.insure/compare/beazley-vs-cfc/virtual-care-telehealth)
- [Beazley vs HUB International Telehealth Insurance](https://spot.insure/compare/beazley-vs-hub-international/virtual-care-telehealth)
- [CFC vs Founder Shield Telehealth Insurance](https://spot.insure/compare/cfc-vs-foundershield/virtual-care-telehealth)
- [CFC vs Newfront Telehealth Insurance](https://spot.insure/compare/cfc-vs-newfront/virtual-care-telehealth)
- [Founder Shield vs HUB International Telehealth Insurance](https://spot.insure/compare/foundershield-vs-hub-international/virtual-care-telehealth)
- [HUB International vs Newfront Telehealth Insurance](https://spot.insure/compare/hub-international-vs-newfront/virtual-care-telehealth)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. 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. Accessed 2026-09-23.
5. [Digital health insurance | Award-winning eHealth insurance | CFC](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth key features; What does CFC's eHealth policy cover?; Telemedicine/mHealth/AI/remote patient monitoring sub-sectors; FAQs. Accessed 2026-09-23.
6. [CFC responds to customer demand for affirmative AI cover](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/). CFC; Programme includes updates across... eHealth...; addressing model hallucination, AI generated content and model drift. Accessed 2026-09-23.

### HUB International

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
10. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Protecting against emerging risks section; coverage list: virtual care medical professional liability, technology E&O, products liability, cyber liability and data security, general liability, management liability (D&O, EPLI); risk-assessment service description; Connect With a Broker. Accessed 2026-09-23.

### Telehealth Insurance Guide

11. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space. Accessed 2026-09-16.
12. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization. Accessed 2026-09-16.
13. [Digital health insurance | eHealth](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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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