---
title: "CFC vs Markel Insurance: Tech E&O Insurance"
description: "CFC packages Tech E&O with cyber coverage up to $10 million and separate-limit incident response; Markel lists technology E&O for software, hardware, and consultants."
canonical: "https://spot.insure/compare/cfc-vs-markel/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cfc-vs-markel"
provider-a: "cfc"
provider-b: "markel"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-markel/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of CFC and Markel Insurance for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about CFC versus Markel Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Markel Insurance for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, CFC or Markel Insurance?
- What does CFC or Markel Insurance publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from CFC or Markel Insurance?

**Key facts:**
- Line: Tech E&O Insurance. Providers: CFC and Markel Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [CFC vs Markel Insurance](https://spot.insure/compare/cfc-vs-markel) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [CFC vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/cfc-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Cyber Insurance](https://spot.insure/compare/cfc-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance D&O Insurance](https://spot.insure/compare/cfc-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance General Liability Insurance](https://spot.insure/compare/cfc-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/cfc-vs-markel/management-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/cfc-vs-markel/media) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/cfc-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CFC vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-markel/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# CFC vs Markel Insurance: How Do They Compare for Tech E&O Insurance?

CFC packages Tech E&O with cyber coverage up to $10 million and separate-limit incident response; Markel lists technology E&O for software, hardware, and consultants.

## How to Use the CFC vs Markel Insurance Tech E&O Insurance Comparison

Use this comparison to evaluate CFC and Markel Insurance for Tech E&O 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.

## CFC vs Markel Insurance Tech E&O Insurance Summary

CFC combines technology E&O, contract and IP liability, media, and cyber in one package with a published $10 million maximum for E&O/media/cyber and separate-limit incident response. Markel describes professional liability for technology services but no comparable limits in its record. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## 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](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

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

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [6](https://www.markel.com/about-us "About us") [7](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [11](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [14](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [15](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between CFC and Markel Insurance Tech E&O Insurance?

### One Technology Package and Stated Limit

CFC's Technology product bundles E&O, breach-of-contract and IP liability, media liability, and cyber coverage; it publishes a $10 million maximum for E&O/media/cyber and a $6 million maximum for general liability. Markel describes professional liability for technology services, including software/SaaS, hardware, and consulting, but the reviewed claim does not state a limit or package structure. A company seeking a combined placement can ask CFC how the aggregate applies across sections and ask Markel which limits are available. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Incident Response and Cyber Services

CFC gives policyholders incident response at a $0 deductible on a limit separate from the main policy, plus an app with dark-web monitoring, phishing simulations, and network scanning. Markel's Tech E&O record does not describe incident-response or security services. Ask Markel whether any risk services accompany its technology liability placement, and compare CFC's separate response limit with the main policy limit. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

### Underwriting Information

CFC's US application requests annual revenue by year, funding history, subcontractor and hosting arrangements, and MFA practices, and is returned through an insurance broker. Markel's product description asks buyers to contact its team but does not list comparable submission fields. Gather these operating details early if comparing a CFC package with a Markel proposal. [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## What Should You Confirm in CFC and Markel Insurance Tech E&O Insurance Quotes?

- Ask CFC whether the $10 million limit is shared across E&O, media, and cyber and what the separate incident-response limit is. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

- Ask Markel for the Tech E&O limit, whether cyber is separate, and any incident-response or security services included with the quote. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance")

## CFC vs Markel Insurance Tech E&O Insurance Compared

| Criteria | CFC Technology Errors & Omissions | Markel technology errors omissions (official overview) |
| --- | --- | --- |
| 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](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer..) | Markel describes offering technology errors omissions for the audience stated on the cited product page. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: 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. [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application..) | IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed..)<br><br>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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Product brochure 'Comprehensive cyber cover' section..) | The cited product page describes professional liability for broadly defined technology services, including software/SaaS, hardware, and consulting examples. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| 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. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") (Evidence: Company-reported; scope: 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](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") (Evidence: Company-reported; scope: 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 page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals "IT Professionals E&O Insurance") (Evidence: Company-reported; scope: technology errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for CFC vs Markel Insurance Tech E&O Insurance

- [CFC vs Markel Insurance](https://spot.insure/compare/cfc-vs-markel): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [CFC vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/cfc-vs-markel/commercial-property)
- [CFC vs Markel Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-markel/crime)
- [CFC vs Markel Insurance Cyber Insurance](https://spot.insure/compare/cfc-vs-markel/cyber)
- [CFC vs Markel Insurance D&O Insurance](https://spot.insure/compare/cfc-vs-markel/directors-officers)
- [CFC vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-markel/employment-practices)
- [CFC vs Markel Insurance General Liability Insurance](https://spot.insure/compare/cfc-vs-markel/general-liability)
- [CFC vs Markel Insurance Management Liability Insurance](https://spot.insure/compare/cfc-vs-markel/management-liability)
- [CFC vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/cfc-vs-markel/media)
- [CFC vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/cfc-vs-markel/product-liability)
- [CFC vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-markel/professional-errors-omissions)
- [CFC vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-markel/umbrella-excess)
- [AIG vs CFC Tech E&O Insurance](https://spot.insure/compare/aig-vs-cfc/technology-errors-omissions)
- [AIG vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-markel/technology-errors-omissions)
- [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions)
- [Alliance Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/technology-errors-omissions)
- [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions)
- [Amelia Risk vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/technology-errors-omissions)

## Sources for CFC vs Markel Insurance Tech E&O Insurance

### Sources About 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 insurance | Start-ups and tech companies | CFC](https://www.cfc.com/en-us/products/industry/technology/). 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.
3. [Technology | Product brochure (United States)](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). 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.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.
5. [Technology companies Insurance application form (US)](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). 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.

### Sources About Markel Insurance

6. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
7. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
8. [IT Professionals E&O Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/errors-and-omissions/it-professionals). Markel; Who is this for; software/SaaS, hardware, consultants; professional liability and cyber sections.. Accessed 2026-09-30.

### Sources for the Tech E&O Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-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.
10. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
11. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). 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.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.
14. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). 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.
15. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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.

Updated 2026-09-30. 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.

## CFC Review Scores for 2026

Review Score: not enough ratings.

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.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cfc/reviews).

## Markel Insurance Review Scores for 2026

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-markel/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)