CFC vs Resilience

CFC markets its technology products to startups, midsize companies and multinationals, including businesses before they generate revenue. That stated audience does not establish acceptance of a particular business. ¹

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. ³³

CFC’s U.S. technology brochure describes errors and omissions, cyber, media/IP infringement and general liability protection, including liability arising from client contract breaches. The brochure describes a package; the quote and wording determine which sections and exclusions apply. ²

CFC’s U.S. cyber catalogue lists Cyber Proactive Response, admitted cyber, Corporate cyber and cyber excess. These are distinct offerings; an admitted label on the website does not establish California eligibility or identical wording across products. ⁹

CFC markets management liability covering directors and officers, employment practices, fiduciary exposures and crime, and separately lists Side A DIC excess protection for directors and officers. Its U.S. management-liability brochure declines California-domiciled business; do not read these catalogue entries as California availability. ^10,11

CFC separately markets intellectual-property insurance for infringement defense, enforcement and related IP risks, including patent exposures. Its scope should be compared with the narrower IP provisions in any technology quote. ^14,2

CFC offers fintech insurance combining financial and technology liability with other financial-sector risks, eHealth for digital-health businesses, and life-science packages for businesses such as device or drug developers and nutraceutical companies. These sector products require their own underwriting and terms. ^23,19,22

CFC’s U.S. product pages also market professional E&O, property and general liability, media liability, medical malpractice, product recall, kidnap and ransom, and umbrella protection over professional liability, general liability or cyber. This catalogue does not mean every line is included in a technology policy or available for every California risk. ^{12,13,21,20,16,15,18}

CFC markets representations and warranties insurance, small-business buyer and seller protection, and secondary-liquidity transaction solutions. These are transaction-specific products rather than ordinary operating-company liability coverage. ¹⁷

Other CFC specialty offerings include carbon-credit delivery, cancellation and lender non-payment insurance; a CORSIA guarantee product; standalone sexual abuse and molestation liability through Safeprotect; terrorism insurance; and marine hull-war and kidnap-and-ransom cover. Their presence on the U.S. site does not resolve California placement eligibility. ^25,26,27,28

Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. ³²

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. ³³

CFC’s regulatory page identifies Lloyd’s Syndicate 1988, managed by Asta Managing Agency Ltd. The reviewed U.S. technology materials do not name the insurer or participating syndicates for a California buyer’s actual policy; ask for those names on the quote and declarations. ^4,2,3

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. ³¹

CFC says its cyber service includes threat monitoring and alerts, a response app and round-the-clock technical incident support. These are company-described services; access, scope and any conditions should be checked against the proposed policy. ⁷

The reviewed Connect and technology application pages do not specify a customer-facing renewal timetable, certificate turnaround or dedicated account-management commitment for California technology buyers. Confirm those arrangements with the placing broker. ^6,3

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^37,38

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ³¹

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^34,32,33