CFC vs 
TechInsurance Umbrella and Excess Liability Insurance
TechInsurance prices umbrella in $1 million steps at a $86 median; CFC excess can follow professional or cyber without published pricing.
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. 1,2,3,4
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 6,7
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 9,10
Key Differences in Umbrella and Excess Liability Insurance
Priced Increments Versus Unpublished Excess
TechInsurance says umbrella boosts limits in $1 million increments across general liability, employer’s liability and commercial auto once the underlying limit is exhausted, and cites a median of $86 per month per million. CFC sells excess over professional liability, general liability or cyber and does not publish maximum amounts or premiums. 8 5
One-Policy Excess Versus a Combined Professional Stack
TechInsurance distinguishes umbrella, which can extend over several underlying policies, from excess that boosts only one policy, usually E&O or general liability. CFC describes a single excess that can sit over any combination of professional, general and cyber, including a primary placed with another insurer. Those are different answers to whether professional or E&O can share a layer with other lines. 8 5
Storefront Risk and Exclusions
TechInsurance says umbrella is especially relevant when required limits exceed $2 million or the business faces high liability risk such as a storefront, requires an active underlying policy, and does not cover property damage or intentional criminal acts like employee theft. CFC targets small and micro businesses and a wide range of professions, without those exclusion examples on the reviewed page. 8 5
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask TechInsurance whether the quote is multi-policy umbrella or single-policy excess. 8
- Ask CFC which of professional, general liability and cyber attach. 5
- Compare TechInsurance’s $86 median per million with CFC’s unpublished premium. 8 5
- Get issuing insurers; TechInsurance’s page does not name one. 8 4
Offering Details
CFC vs TechInsurance Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | TechInsurance Commercial Umbrella Insurance |
|---|---|---|
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 5Company-reported. Umbrella cover product page description of what the policy tops up. | TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. 8Company-reported. Umbrella insurance product page. |
| Issuing Insurer | The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. 5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product. | The reviewed page does not name the issuing insurer for an umbrella policy. 8Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23. |
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 5Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. 8Company-reported. Umbrella insurance product page. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 5Company-reported. Umbrella cover product page. | TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. 8Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). 8Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section. |
| Limits and Retentions | The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. 5Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself. | TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. 8Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 5Company-reported. Umbrella cover product page call to action. | Not described in the reviewed sources. |
Full Comparison
More CFC vs TechInsurance Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Commercial Umbrella Liability Insurance. TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from excess liability insurance? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
