CFC vs 
RiskCube: How Do They Compare for Tech E&O Insurance?
RiskCube is an independent brokerage that compares carriers, focused on AI/ML, fintech, govtech, defense, space and Web3 firms. CFC publishes one Technology package with limits up to $10,000,000.
CFC writes one Technology package, from startups to multinationals, that includes copyright and trademark cover and limits up to $10 million; RiskCube is a broker that shops insurers for AI, fintech, govtech, defense, space and Web3 companies, quoting in about 24 hours. RiskCube’s typical placements exclude IP claims. 2,1,5
What Are the Key Differences Between CFC and RiskCube Tech E&O Insurance?
One Insurer’s Package vs a Broker for Niche Tech
CFC underwrites a Technology package for companies from startups to multinationals, with a published $10,000,000 maximum across E&O, media and cyber. RiskCube is an independent broker that compares Tech E&O across unnamed insurers for AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can cause client losses or contract disputes. Choose CFC if you want copyright and trademark cover built in and a known limit ceiling; choose RiskCube if you build AI or sell to government, defense or financial customers and need someone to shop specialist insurers. 1 2 5 6
IP Included vs IP Commonly Excluded
CFC’s brochure lists IP infringement such as copyright and trademark disputes as part of the package. RiskCube covers software errors, SLA or contract failures, client financial losses and related data loss, but lists patent and other IP infringement among common exclusions, along with intentional wrongdoing, known incidents and insolvency. If an IP claim is a real risk for you, CFC starts ahead. 5 2
AI Excess and Contract Checks vs Incident Response
RiskCube can layer excess cover for AI-related gaps like algorithmic bias or hallucination claims, and checks the waiver-of-subrogation wording enterprise contracts demand. It asks for product, customer, revenue and contract details and says quotes typically return in about 24 hours. CFC offers incident response and a free monitoring app, and its application goes through your broker. 5 2 3
What Should You Confirm in CFC and RiskCube Tech E&O Insurance Quotes?
- Ask RiskCube which insurer it proposes and whether IP claims are excluded. 5
- Ask CFC what copyright and trademark cover your quote actually includes. 2
- Ask RiskCube whether it is adding AI excess and whether waiver of subrogation is granted. 5
- Get RiskCube’s limits to compare with CFC’s $10 million maximum. 2
CFC vs RiskCube Tech E&O Insurance Compared
CFC vs RiskCube: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | RiskCube Technology Errors and Omissions (E&O) Insurance |
|---|---|---|
| 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. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. 5Company-reported. Tech E&O product page "Who needs this coverage" section. |
| 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. 3,1Company-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. | RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. 5Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs. |
| 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. 2Company-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. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. 5Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. 5Company-reported. Tech E&O product page "Common Exclusions" section. |
| 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. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 5Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes. |
| 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. 2Company-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. | RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. 5Company-reported. Tech E&O product page "AI & enterprise risk" FAQ. |
