--- title: "CFC vs TechInsurance: Professional Liability (E&O) Insurance" description: "Insurance agents fit TechInsurance’s E&O audience but are on CFC’s declined list, making TechInsurance the more relevant option for agencies." canonical: "https://spot.insure/compare/cfc-vs-techinsurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "cfc-vs-techinsurance" provider-a: "cfc" provider-b: "techinsurance" coverage-line: "professional-errors-omissions" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cfc-vs-techinsurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of CFC and TechInsurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about CFC versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CFC vs TechInsurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, CFC or TechInsurance? - What does CFC or TechInsurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: CFC and TechInsurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # CFC vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance? TechInsurance quotes a median E&O cost of $88 a month and targets IT, software, cybersecurity and SaaS firms. CFC publishes E&O limits up to $10 million and says no revenue threshold applies. TechInsurance lists insurance agents as E&O buyers, while CFC ordinarily declines them. ## CFC vs TechInsurance Professional Liability (E&O) Insurance Summary Insurance agents fit TechInsurance’s E&O audience but are on CFC’s declined list, making TechInsurance the more relevant option for agencies. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") ## What Are the Key Differences Between CFC and TechInsurance Professional Liability (E&O) Insurance? ### Comparing Published Price TechInsurance reports a median premium of $88 per month for its E&O policyholders. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") CFC publishes a minimum premium range of $475 to $500 and a maximum E&O limit of $10 million. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") These are different measures, so compare quotes at matching limits and retentions. ### Claims Contact TechInsurance says policyholders contact the carrier directly when a client threatens suit. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") CFC routes claims to a named Claims Manager on its professions unit. [3](https://www.cfc.com/en-us/claims/ "Claims") Ask who makes coverage decisions and who updates you during a claim. ## What Should You Confirm in CFC and TechInsurance Professional Liability (E&O) Insurance Quotes? - If you are an insurance agent, confirm acceptance with TechInsurance and check CFC's declined list. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") - Request an individual quote; TechInsurance's $88 figure is a reported median, not your premium. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") - Compare limits, retentions and exclusions; CFC publishes a $10 million maximum E&O limit. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") - Ask which insurer issues each policy and who handles claims. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [3](https://www.cfc.com/en-us/claims/ "Claims") ## CFC vs TechInsurance Professional Liability (E&O) Insurance Compared | Criteria | CFC Professional Services | TechInsurance Errors and Omissions Insurance | | --- | --- | --- | | Limits and Retentions | CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting..) | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) | | Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)

Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) | | Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure..) | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) | | Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. [3](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product..) | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, How does E&O insurance coverage work? section..) | ## About CFC and TechInsurance and Professional Liability (E&O) Insurance - [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for CFC vs TechInsurance Professional Liability (E&O) - [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [CFC Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/cfc/professional-errors-omissions) - [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions) ## Sources for CFC vs TechInsurance ### Sources About CFC 1. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23. 2. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23. 3. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). Accessed 2026-09-23. ### Sources About TechInsurance 4. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23. Updated 2026-09-29. 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-techinsurance/professional-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)