CFC vs 
Insureon
CFC markets a technology insurance product for startups through multinational companies and supports broker trading through Connect. Insureon serves small and midsize businesses across professions with online quote entry and licensed-agent support. CFC is a focused route to explore with a broker for technology risks; Insureon may be a simpler first stop for a small business looking across common commercial lines. CFC's MGA role and Insureon's agent/broker role do not identify the insurer for either specific proposal. 1,6,33,32
Introduction
The main difference is who enters the risk and for what purpose. CFC markets a technology product and provides broker trading through Connect; Insureon offers small-business quote entry with licensed-agent support, with some midsize applicants routed to a broker. If you already use a technology broker, ask about CFC's product; if you want to begin online with a broader small-business request, ask Insureon which route fits your profession. 1 6 33
Coverage Comparison
| Coverage | CFC | Insureon |
|---|---|---|
| Business owner’s policy | Not listed | Listed 42Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability. |
| Commercial auto | Not listed | Listed 45Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability. |
| Commercial property | Listed 13CFC offers property coverage within its property and casualty product. | Listed 44Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability. |
| Crime | Listed 11,23CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Not listed |
| Cyber liability | Listed 9CFC offers cyber insurance, including primary and excess products. | Listed 43Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability. |
| Directors and officers | Listed 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 liability | Listed 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 |
| Fidelity bonds | Not listed | Listed 48Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability. |
| Fiduciary liability | Listed 11CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Not listed |
| General liability | Listed 13CFC offers general liability within its property and casualty product. | Listed 39Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability. |
| Intellectual property | Listed 14CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry. | Not listed |
| Kidnap and ransom | Listed 15CFC offers kidnap and ransom insurance, including a specialist marine product. | Not listed |
| Management liability | Listed 10,11CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies. | Not listed |
| Media liability | Listed 21CFC offers media liability insurance for content creators and media businesses. | Not listed |
| Product liability | Listed 22CFC offers product liability within its life-science and nutraceutical policies. | Not listed |
| Product recall | Listed 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 41Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability. |
| Representations and warranties | Listed 17CFC offers buyer-side and seller-side representations and warranties insurance. | Not listed |
| Surety bonds | Not listed | Listed 48Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability. |
| Technology errors and omissions (E&O) | Listed 2CFC offers technology errors and omissions for technology businesses. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 47Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability. |
| Umbrella and excess liability | Listed 18CFC offers excess professional liability, general liability and cyber limits for small and micro businesses. | Listed 46Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability. |
| Virtual care and telehealth | Listed 19CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine. | Not listed |
| Workers’ compensation | Not listed | Listed 40Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability. |
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 agentCarrier & MGA
No Spot Score
Assessment subject unavailable
Insureon
BrokerBroker
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
Review Score
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsInsureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsKey Differences Between CFC and Insureon
Provider roles
CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 5,4Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.
Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 32,33Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.
CFC describes an MGA model and names its U.S. producer, while Insureon describes agent and broker roles. Neither comparison label tells you which insurer will issue a specific policy. Ask for the legal insurer, producer and applicable state authority on the quote and declarations. 5 4 32
Technology focus versus general small-business segments
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.
Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 33Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.
CFC's technology page names audiences from pre-revenue startups to multinationals; Insureon describes small and midsize employee bands and profession-based guidance. CFC's audience statement does not establish California product eligibility or acceptance of a particular technology risk, and Insureon's bands do not decide policy eligibility. Confirm the proposed market and insurer for your state. 1 33
Broker submission or online quote entry
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.
Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 33,32,34Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.
CFC's U.S. technology application is completed by senior staff and returned to an insurance broker; Connect separately supports broker trading. Insureon offers online quote entry, with profession-dependent routing that can include a broker referral. Ask who submits the underwriting information and who will explain the insurer's response before you bind. 3 6 33
What to Confirm in Quotes
- Ask CFC which insurer and technology form apply to your business and state, whether the broker has a Connect appointment, and which application answers or security controls the underwriter needs. 1 3
- Ask Insureon whether your profession receives an online quote or broker referral, and request the issuing insurer and full policy form. 33 32
- Compare the same limits, retentions, exclusions, contract-liability terms, cyber-response services and policy period. Shared technology or cyber labels do not establish matching terms. 2 32
Compare Services
What each provider documents about the services you may need
| Criteria | CFC | Insureon |
|---|---|---|
| Business role | CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 5,4Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment. | Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 32,33Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state. |
| 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. | Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 33Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer. |
| 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. | Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 33,32,34Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested. |
Related Reading
Sources
CFC Official Website
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- 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.
- Technology companies — US application v2.4. CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
- Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Connect broker trading portal. CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
- CFC Response. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
- Notify a claim or cyber incident. CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
- Cyber insurance — US. CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16.
- Management liability. CFC; Management liability; Side A DIC. Accessed 2026-09-16.
- 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.
- Professional liability. CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
- Property & casualty. CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16.
- Intellectual property insurance. CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
- Kidnap and ransom. CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16.
- Product recall. CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
- Transaction liability. CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
- Umbrella cover. CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16.
- Digital health insurance. CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16.
- Medical malpractice. CFC; Our medical malpractice products. Accessed 2026-09-16.
- Media & entertainment. CFC; Media product description. Accessed 2026-09-16.
- Life science. CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
- Fintech insurance. CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16.
- Financial institutions. CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
- Carbon insurance. CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
- Safeprotect misconduct liability. CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
- Terrorism. CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
- Marine. CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
- 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.
Insureon Official Website
- Terms and Conditions. Insureon; Opening legal identity paragraph (L51); footer identity/office disclosure (L95-98). Accessed 2026-09-28.
- Insurance Licenses by State. Insureon; Page description says Insureon is licensed in 50 states and Washington, D.C.; published state list L50-L103; footer legal entity/DBA L145-L148. Accessed 2026-09-28.
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- Commercial Insurance for Small & Midsize Companies. Insureon; Application and general route (L82-86); small-business and midsize-business marketing segments and routes (L87-96). Accessed 2026-09-28.
- Contact Us and Get Insured Today. Insureon; Phone hours (L54-58); application, appointment and email routes (L62-78). Accessed 2026-09-28.
- Be prepared with a commercial insurance renewal checklist. Insureon; Updated March 5, 2026 (L84); account manager (L94-95); lead time and insurer decision (L116-127). Accessed 2026-09-28.
- About Insureon. Insureon; Who is Insureon (L58-67); online service claims (L75-82); TechInsurance/Insureon naming and history (L96-114); 2022 transaction description (L107). Accessed 2026-09-28.
- Careers at Insureon. Insureon; SPG and HUB logos and divisional statement (L56-65); legal footer (L110-112). Accessed 2026-09-28.
- Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Hub International; Published March 1, 2022; agreement and pending separate closings/asset allocation (L12-20); SPG operational plan (L29-30). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Workers’ Comp Insurance: Buy Online & Get Free Quotes. Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365. Accessed 2026-09-29.
- Professional Liability Insurance - Get Online Quotes. Insureon; Product definition L67-L89; quote CTA and target users on page. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
- Cyber Insurance - Get Online Quotes. Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
- Commercial Property Insurance - Get Online Quotes. Insureon; Product definition L67-L89; covered property examples; quote CTA. Accessed 2026-09-29.
- Commercial Auto Insurance - Get Fast & Free Quotes. Insureon; Product overview L67-L93; target vehicles and businesses; quote route. Accessed 2026-09-29.
- Commercial Umbrella Insurance - Get Online Quotes. Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.
- Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
- Small Business Bonds and Insurance: What You Need to Know. Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67. Accessed 2026-09-29.
- Compensation Disclosure Notice. Insureon; Sections describing commission, contingency income, supplemental commissions, client fees, technology service fees, carrier data services, and other compensation. Accessed 2026-09-28.
- How to File a Business Insurance Claim. Insureon; Sections 'Contact your insurance agent or carrier' and 'What if I bought a policy from Insureon?'; insurer reporting and agent assistance. Accessed 2026-09-28.
