CFC vs TechInsurance: How Do They Compare for D&O Insurance?

TechInsurance reports a $133 monthly median D&O premium and describes standalone or add-on coverage; CFC instead includes D&O in its US management-liability package and separately offers Side A DIC excess cover.

TechInsurance is the simpler buy for small boards: add D&O to general liability or a business owner's policy, or buy it alone, at a median of $133 a month. CFC bundles D&O into a management-liability package that declines California-domiciled and publicly traded companies, and sells Side A DIC separately. ^5,^1,²

What Are the Key Differences Between CFC and TechInsurance D&O Insurance?

Add-On to Your Existing Policy vs a Management-Liability Package

TechInsurance names small employers with stockholders, venture-backed startups and nonprofits with boards as its D&O buyers, and lets you attach D&O to a GL or business owner's policy you may already have. CFC only offers D&O as part of its US Management Liability package, and its brochure declines California-domiciled and US publicly traded companies. Choose TechInsurance if you're a small company or nonprofit wanting a low-cost add-on to a policy you already hold; choose CFC if you're outside California and want a full management-liability package with Side A DIC above it. ⁵ ¹ ²

A Published Price vs Unpublished Limits

TechInsurance says the median is $133 a month, driven by limits, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. CFC publishes no premium or limit, and its extra limit for directors has no stated amount. ⁵ ²

What Happens at Claim Time

TechInsurance's D&O is claims-made, so it only responds if the policy is active when the claim is made, and it excludes criminal acts like fraud or embezzlement. CFC gives you a US claims line and a dedicated adjuster from notice to resolution. ⁵ ⁴

What Should You Confirm in CFC and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O is standalone or an endorsement, and which insurer issues it; the page doesn't say. ⁵
Ask CFC whether California domicile or public status blocks you before you apply. ²
Compare your TechInsurance quote to the $133 median, and check the limit it buys. ⁵
Ask CFC for the dollar amount of its extra director limit and a Side A DIC quote. ² ¹

CFC vs TechInsurance D&O Insurance Compared

CFC vs TechInsurance: D&O Insurance: documented features by provider

Criteria	CFC Directors & Officers Liability	TechInsurance Directors and Officers Insurance (D&O)
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.	TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ⁵Company-reported. D&O product page, Who needs D&O insurance coverage? section.
Coverage Features	CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ⁵Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ⁵Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
Role in This Line	CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ⁵Company-reported. D&O product page.

Criteria

CFC Directors & Officers Liability

TechInsurance Directors and Officers Insurance (D&O)

Who It’s For

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ⁵Company-reported. D&O product page, Who needs D&O insurance coverage? section.

Coverage Features

CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms.

CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages.

CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.

TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ⁵Company-reported. D&O product page; general policy description, not a specific policy form.

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ⁵Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

Role in This Line

CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.

TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ⁵Company-reported. D&O product page.