What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 6,7
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. 9,10,11,12,13,14,15
Key Differences in Tech E&O Insurance
CFC publishes limits and a separate response layer
CFC publishes a maximum $10 million limit for E&O, media, and cyber and a maximum $6 million for general liability, with a minimum $0 deductible. Its incident-response service has a separate limit and $0 deductible. Liberty Mutual describes Liberty Tech Resolution as blended cyber and Tech E&O but gives no comparable limits in the reviewed claim. Ask for the applicable limits and how response expenses affect the main policy limit before comparing premiums. 3 8
CFC bundles several technology exposures
CFC describes one package covering financial loss, bodily injury or property damage from technology products and services, breach of client contracts, and IP claims; cyber includes interruption, data restoration, extortion, and social engineering. Liberty Mutual describes a blended cyber and Tech E&O solution but does not enumerate the same protections in its reviewed claim. Compare the proposed forms for the contract, IP, and cyber scenarios your customers require. 2 8
The application route runs through a broker
CFC's U.S. application asks about revenue, funding, subcontractors, hosting, and multifactor authentication, then goes back to the insurance broker. Liberty Mutual also directs business buyers to a broker or agent. Ask your broker how each submission handles your hosting partners and security controls. 5 8
What to Confirm in Tech E&O Insurance Quotes
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
No reviews found
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 reviewsLiberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsOffering Details
CFC vs Liberty Mutual: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Liberty Tech Resolution |
|---|---|---|
| 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. 2,3Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | The Technology application form names only CFC Underwriting Limited, a UK entity authorized and regulated by the Financial Conduct Authority, as the party administering the form. Neither the Technology product page nor the application discloses which specific insurer or Lloyd's syndicate capacity backs a given US Technology policy. 5,4Not publicly disclosed. Technology application footer and the regulatory information page, both checked on 2026-09-23; CFC's US arm, CFC USA Inc., separately holds admitted producer licenses and E&S authorization in NY, TX, GA and CA, but that page does not tie a specific license to the Technology product. | Confirm in your quote. |
| 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. 2Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | The commercial cyber page directs business buyers to a broker or agent. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| 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. 3Company-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. 3Company-reported. Product brochure 'Comprehensive cyber cover' section. | The company describes a blended cyber and Tech E&O solution for technology-company exposures. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Limits and Retentions | CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. 3Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. | Confirm in your quote. |
| 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. 3Company-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. | Confirm in your quote. |
| 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. 5,2Company-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. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 8Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
Full Comparison
More CFC vs Liberty Mutual Comparisons
Other Tech E&O Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology insurance | Start-ups and tech companies | CFC. CFC; Technology product summary; Key features: Products and services liability, Breach of contract, IP rights infringement and media liability, Comprehensive cyber cover and incident response; Downloads. Accessed 2026-09-23.
- Technology | Product brochure (United States). CFC; Products and services liability; Breach of contract; IP infringement and media liability; Comprehensive cyber cover; Response app highlights; Limits and deductibles table. Accessed 2026-09-23.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Technology companies Insurance application form (US). CFC; Section 1: Company Details; Section 2: Activities; Section 3: Contract & Risk Management; Section 4: Cyber Security Risk Management; Section 6: Insurance Requirements; footer entity line. Accessed 2026-09-23.
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Cyber Insurance. Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services. Accessed 2026-09-29.
Tech E&O Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
- Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.
