---
title: "CFC vs Resilience Tech E&O Insurance"
description: "Resilience’s Tech E&O is distributed by Ocrea and underwritten by Homeland for $25M–$10B revenue; CFC’s Technology package has no published revenue floor."
canonical: "https://spot.insure/compare/cfc-vs-resilience/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Resilience Tech E&O Insurance

Resilience’s Tech E&O is distributed by Ocrea and underwritten by Homeland for $25M–$10B revenue; CFC’s Technology package has no published revenue floor.

## Research Scope and Use

Use this comparison to evaluate CFC and Resilience 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.

## Summary

Resilience distributes US technology E&O through Ocrea Risk Services, with Homeland Insurance companies as named underwriters, and targets $25 million to $10 billion in revenue. CFC’s Technology package has no published revenue cutoff and includes in-package cyber plus incident response. [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)") [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

## 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 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)

## What Is Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [6](https://cyberresilience.com/ "Home Page") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [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://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](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")

## Key Differences in Tech E&O Insurance

### Who Issues the Policy

Resilience’s US disclosure says technology E&O is distributed by Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. CFC’s Technology application names CFC Underwriting Limited as administrator and does not disclose which insurer or Lloyd’s syndicate backs a given US policy. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)")

### Revenue Band

Resilience targets US technology E&O with $25 million to $10 billion in revenue for primary and excess. CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies without publishing a revenue or headcount cutoff. Revenue below $25 million sits outside Resilience’s stated band and still inside CFC’s stated audience. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC")

### Limits

Resilience advertises technology E&O limits up to $10 million on a primary or excess basis. CFC publishes a $10,000,000 E&O/media/cyber maximum on the Technology package. The headline number matches; whether Resilience’s $10 million is primary or excess is a quote question CFC’s package cap does not split the same way. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

### Incident Response

Resilience describes a 24/7 in-house claims and incident-response team with a dedicated claims manager; the reviewed sources do not separate that process for technology E&O. CFC describes incident response at a $0 deductible on a limit separate from the main policy, plus a monitoring app. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

## What to Confirm in Tech E&O Insurance Quotes

- Confirm which Homeland entity issues Resilience’s policy and which paper issues CFC’s. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)")
- Check whether your revenue sits inside Resilience’s $25 million–$10 billion band. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")
- Ask whether Resilience’s $10 million is primary or excess, versus CFC’s package cap. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")
- Compare Resilience’s integrated-endorsement form with CFC’s in-package cyber and incident-response deductible. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")

## Offering Details

| Criteria | CFC Technology Errors & Omissions | Resilience Technology E&O |
| --- | --- | --- |
| 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..) | Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) |
| 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..) | Resilience's US disclosure states that technology E&O products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The product page separately says capacity comes through "approved underwriting companies" rated by AM Best, without naming an insurer beyond the two Homeland entities. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page and the "Superior Capacity" benefit on the product page, both accessed 2026-09-23; product- and state-specific issuer mapping is not published..) |
| 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..) | Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range..) |
| 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..) | Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23..) |
| 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..) | Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific 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. [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..) | Not described in the reviewed sources. |
| 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 reviewed technology E&O product page does not describe a self-service online application or quoting process; it routes visitors to request a quote rather than showing an application flow. [7](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Not publicly disclosed; scope: Technology E&O product page, accessed 2026-09-23..) |
| Claims Support | Not described in the reviewed sources. | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. The reviewed pages do not describe a claims process specific to technology E&O separate from this shared claims team. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) |

## Full Comparison

- [CFC vs Resilience](https://spot.insure/compare/cfc-vs-resilience): 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 E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [CFC vs Resilience Cyber Insurance](https://spot.insure/compare/cfc-vs-resilience/cyber)
- [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions)
- [Alliance Risk vs Resilience Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/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 Resilience Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/technology-errors-omissions)
- [At-Bay vs CFC Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-cfc/technology-errors-omissions)
- [At-Bay vs Resilience Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-resilience/technology-errors-omissions)

## 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 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.

### Resilience

6. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
7. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
8. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
9. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

### Tech E&O Insurance Guide

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. [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.
12. [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.

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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