---
title: "CFC vs Risklytics Intellectual Property Insurance"
description: "CFC underwrites IP with $250 million turnover caps; Risklytics places $250,000–$5 million limits and lists every patent before bind."
canonical: "https://spot.insure/compare/cfc-vs-risklytics/intellectual-property"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# CFC vs Risklytics Intellectual Property Insurance

CFC underwrites IP with $250 million turnover caps; Risklytics places $250,000–$5 million limits and lists every patent before bind.

## Research Scope and Use

Use this comparison to evaluate CFC and Risklytics for Intellectual Property 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

CFC underwrites an IP policy with defense, pursuit and contractual indemnity, turnover caps and an online indication. Risklytics describes itself as a licensed producer that places IP insurance with specialist insurers, lists a typical $250,000 to $5 million per-claim ask, and requires every patent filing and indemnity obligation to be scheduled. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property 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") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

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

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Intellectual Property Insurance?

Intellectual property insurance can pay toward IP disputes. Defending a claim that you infringed someone else’s rights and enforcing your own rights are separate coverages, so check which one each quote includes. [12](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [13](https://www.gov.uk/guidance/intellectual-property-insurance "Intellectual property insurance (UK guidance)") [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") [15](https://ipisc.com/wp-content/uploads/2026/02/IP-Infringement-Insurance-Application_IPISC_v.2_04_2026.pdf "IP Infringement Insurance Application")

## Key Differences in Intellectual Property Insurance

### London Underwriter Versus Risklytics' Disclosed Producer Role

CFC underwrites and distributes an IP policy through a dedicated London team. Risklytics Insurance Services describes itself as a licensed insurance producer (NPN 22311838) that places Risklytics Intellectual Property Insurance with outside carriers and says it does not underwrite policies itself. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance")

### Contractual Indemnity Versus Scheduling Patents

CFC covers patents, trademarks, copyright and trade secrets through defense, pursuit and contractual indemnity that can extend down a supply chain, and added AI-related language in 2026. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover") [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance")

## What to Confirm in Intellectual Property Insurance Quotes

- Ask CFC whether contractual indemnity and 2026 AI wording are included. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover")
- Ask Risklytics which specialist insurer is quoting and confirm every patent and indemnity obligation is scheduled. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance")
- Compare Risklytics’ $250,000–$5 million typical ask with CFC’s quoted limits. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance")
- Confirm your revenue against CFC’s turnover caps. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC")

## Offering Details

| Criteria | CFC Intellectual Property Insurance | Risklytics Intellectual Property Insurance |
| --- | --- | --- |
| Role in This Line | CFC underwrites and distributes an intellectual property insurance policy through what it describes as the largest dedicated IP insurance underwriting team in London, backed by specialist claims adjusters and risk management partners. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") (Evidence: Company-reported; scope: IP product page description of CFC's IP practice..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Intellectual Property Insurance with outside carriers; it says it does not underwrite policies itself. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | The reviewed IP product page does not name the specific insurer or Lloyd's syndicate that carries the risk on this policy. CFC's regulatory page lists several CFC entities, including its own Lloyd's Syndicate 1988, that CFC uses as underwriting vehicles across its business, but does not tie a specific one to the IP product. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Checked the IP product page and CFC's regulatory information page; neither names an IP-specific carrier..) | Risklytics does not name the carrier that underwrites Risklytics Intellectual Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | CFC says its IP policy is designed for businesses with turnover up to $250 million (GBP or USD) across industries such as construction, manufacturing, professional services and consultants, and will also consider turnover up to $500 million for a narrower list of industries including medical drug discovery, software development, fashion, advertising, medical devices, and machine learning. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") (Evidence: Company-reported; scope: Industries we cover section of the IP product page; final eligibility for any given business depends on underwriting..) | Risklytics says buyers typically need this coverage at their first filed patent or the first contract requiring them to cover a customer's IP claims, and that enterprise contracts with an IP indemnity clause require it; it adds that companies without patents can still need the line because trademarks, copyrighted code and trade secrets count too. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | The policy covers infringement claims involving patents, trademarks, copyright and trade secrets, plus costs tied to loss of IP rights or loss of profit from an IP dispute. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") (Evidence: Company-reported; scope: Product page coverage description; exact terms and exclusions are set by the policy as issued..)<br><br>Coverage is built from three pieces: defense against infringement allegations from a third party, pursuit of parties infringing on IP the insured owns or licenses, and contractual indemnity protection that can extend down a supply chain if a claim reaches a customer or downstream contract. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") (Evidence: Company-reported; scope: Defense/Pursuit of infringers/Contractual indemnity descriptions on the product page..)<br><br>CFC says it added affirmative AI-related coverage language to its IP policy in 2026 as part of a rollout across seven products, explicitly addressing exposures like AI model hallucination, AI-generated content, and model drift rather than leaving them to implied or silent coverage. [6](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/ "CFC responds to customer demand for affirmative AI cover") (Evidence: Company-reported; scope: CFC news release on the affirmative AI coverage programme; describes intent and scope of the update, not specific policy wording..) | Risklytics describes this line as paying legal costs on both sides of an IP dispute: defending a claim that the company's product infringes someone else's patent, trademark or copyright, and pursuing an infringer of its own IP, and distinguishes it from cyber liability, which would answer source code stolen in a breach rather than an infringement claim. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics lists a typical ask of $250,000 to $5 million per claim for this line. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | Risklytics says only a short list of insurers write this line and that they require every patent filing and indemnity obligation to be listed before placement. [10](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | CFC offers a non-binding IP insurance indication online, asking only for the company name, website and revenue. [5](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance | Patent insurance | CFC") (Evidence: Company-reported; scope: IP product page indication call to action..) | You start Risklytics Intellectual Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Intellectual Property Insurance?](https://spot.insure/coverage/intellectual-property): Intellectual property insurance can help pay the costs of disputes involving patents, trademarks, copyrights and other specified rights.
- [CFC vs Risklytics Commercial Property Insurance](https://spot.insure/compare/cfc-vs-risklytics/commercial-property)
- [CFC vs Risklytics Cyber Insurance](https://spot.insure/compare/cfc-vs-risklytics/cyber)
- [CFC vs Risklytics D&O Insurance](https://spot.insure/compare/cfc-vs-risklytics/directors-officers)
- [CFC vs Risklytics General Liability Insurance](https://spot.insure/compare/cfc-vs-risklytics/general-liability)
- [CFC vs Risklytics Tech E&O Insurance](https://spot.insure/compare/cfc-vs-risklytics/technology-errors-omissions)
- [CFC vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-risklytics/umbrella-excess)
- [CFC vs Founder Shield Intellectual Property Insurance](https://spot.insure/compare/cfc-vs-foundershield/intellectual-property)
- [CFC vs Marsh Intellectual Property Insurance](https://spot.insure/compare/cfc-vs-marsh/intellectual-property)
- [Founder Shield vs Risklytics Intellectual Property Insurance](https://spot.insure/compare/foundershield-vs-risklytics/intellectual-property)
- [Marsh vs Risklytics Intellectual Property Insurance](https://spot.insure/compare/marsh-vs-risklytics/intellectual-property)

## 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](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
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. [Intellectual property insurance | Patent insurance | CFC](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Key features; Defense/Pursuit of infringers/Contractual indemnity; Industries we cover; FAQs. Accessed 2026-09-23.
6. [CFC responds to customer demand for affirmative AI cover](https://www.cfc.com/en-us/knowledge/news/2026/06/cfc-responds-to-customer-demand-for-affirmative-ai-cover/). CFC; Programme includes updates across... Intellectual Property (IP)...; addressing model hallucination, AI generated content and model drift. Accessed 2026-09-23.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Intellectual Property Insurance](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Coverage line: Intellectual Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Intellectual Property Insurance Guide

12. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Other types of business liability insurance. Accessed 2026-09-16.
13. [Intellectual property insurance (UK guidance)](https://www.gov.uk/guidance/intellectual-property-insurance). UK Intellectual Property Office; About IP and insurance > types of products; exclusions/excess/co-insurance; claims process and legal representation. Accessed 2026-09-16.
14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Opening; Defense; Pursuit of infringers; Contractual indemnity; US-facing product offering. Accessed 2026-09-16.
15. [IP Infringement Insurance Application](https://ipisc.com/wp-content/uploads/2026/02/IP-Infringement-Insurance-Application_IPISC_v.2_04_2026.pdf). Intellectual Property Insurance Services Corporation; p.1 specimen request; Section 1 pp.2–4; Defense Section 2 pp.5–6; Enforcement Section 3 pp.7–9. Accessed 2026-09-16.

Updated 2026-09-24. 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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