---
title: "CFC vs RiskCube Tech E&O Insurance"
description: "RiskCube brokers Tech E&O for AI, fintech and Web3 and checks MSA waiver language; CFC underwrites a packaged Technology policy with published limits."
canonical: "https://spot.insure/compare/cfc-vs-riskcube/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# CFC vs RiskCube Tech E&O Insurance

RiskCube brokers Tech E&O for AI, fintech and Web3 and checks MSA waiver language; CFC underwrites a packaged Technology policy with published limits.

## Research Scope and Use

Use this comparison to evaluate CFC and RiskCube 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

RiskCube compares Tech E&O across carriers for AI/ML, fintech, govtech, defense, space and Web3 companies and reviews waiver-of-subrogation language in enterprise MSAs. CFC underwrites a Technology package with a published $10 million E&O/media/cyber maximum. [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)") [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## 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 RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [6](https://riskcubeai.com/ "Startup Business Insurance") [7](https://riskcubeai.com/licenses "Licenses & Disclosures") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## 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

### Independent Brokerage Versus CFC Paper

RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage, with disclosures stating products are underwritten by unnamed third-party carriers. CFC underwrites a Technology package administered by CFC Underwriting Limited, still without naming US issuing paper on the application. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology insurance | Start-ups and tech companies | CFC") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)")

### AI and Contract Niches Versus Brochure Cover

RiskCube targets AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes. CFC frames Technology for start-ups through multinational tech companies without listing those segments. RiskCube describes cover for software errors, SLA or contract failures, client financial losses and related data loss, and lists common exclusions such as intentional wrongdoing, known incidents, patent and other IP infringement, and insolvency. CFC’s brochure includes IP infringement such as copyright and trademark as a feature of the package. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [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)")

### MSA Checks, Excess for AI Gaps, and Timing

RiskCube says it can layer excess to address AI-related gaps such as algorithmic-bias or hallucination claims and checks waiver-of-subrogation language that enterprise MSAs request. CFC describes incident-response service and a free app rather than MSA-form review. RiskCube asks for product, customer, revenue and contract details and says it typically returns quotes in about 24 hours; CFC’s application is returned through a broker. RiskCube does not publish specific limits; CFC publishes a $10,000,000 maximum. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)") [5](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies Insurance application form (US)")

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

- Ask RiskCube which carrier it proposes and whether IP infringement is excluded, as its common-exclusion list includes it. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")
- Compare that IP treatment with CFC’s brochure inclusion of copyright and trademark disputes. [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology | Product brochure (United States)")
- Confirm whether RiskCube is adding excess for AI-related gaps and whether waiver-of-subrogation is granted. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")
- Get RiskCube’s actual limits versus CFC’s $10 million published cap. [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 | RiskCube Technology Errors and Omissions (E&O) Insurance |
| --- | --- | --- |
| 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..) | RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes..) |
| 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..) | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23..) |
| 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..) | 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. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "Who needs this coverage" section..) |
| 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..) | 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. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "What's covered" section..)<br><br>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. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "Common Exclusions" section..) |
| 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..) | RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not publicly disclosed; scope: Tech E&O product page "How much Tech E&O coverage do startups need" FAQ..) |
| 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..) | 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. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "AI & enterprise risk" FAQ..) |
| 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..) | 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. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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..) |
| Claims Support | Not described in the reviewed sources. | The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. [9](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not found in reviewed sources; scope: Tech E&O product page as read on 2026-09-23..) |

## Full Comparison

- [CFC vs RiskCube](https://spot.insure/compare/cfc-vs-riskcube): 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 RiskCube Crime Insurance](https://spot.insure/compare/cfc-vs-riskcube/crime)
- [CFC vs RiskCube Cyber Insurance](https://spot.insure/compare/cfc-vs-riskcube/cyber)
- [CFC vs RiskCube D&O Insurance](https://spot.insure/compare/cfc-vs-riskcube/directors-officers)
- [CFC vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-riskcube/employment-practices)
- [CFC vs RiskCube General Liability Insurance](https://spot.insure/compare/cfc-vs-riskcube/general-liability)
- [Alliance Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/technology-errors-omissions)
- [Alliance Risk vs RiskCube Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/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 RiskCube Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/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 RiskCube Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-riskcube/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.

### RiskCube

6. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
7. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
8. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
9. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-riskcube/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)