---
title: "CFC vs Travelers"
description: "Compare CFC and Travelers technology insurance for a startup adding overseas customers, staff or locations."
canonical: "https://spot.insure/compare/cfc-vs-travelers"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "CFC", "Travelers"]
---

[Human-readable page](https://spot.insure/compare/cfc-vs-travelers)

# CFC vs Travelers

Compare CFC and Travelers technology insurance for a startup adding overseas customers, staff or locations.

## Research Scope and Use

Use this comparison to evaluate CFC and Travelers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

CFC markets broker-distributed technology packages and specialist products. Travelers markets CyberRisk Tech alongside domestic commercial lines and international programs, whose non-admitted and local-policy routes require separate scrutiny. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [48](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences")



## Introduction

A US startup signing its first overseas enterprise customer should distinguish a liability policy’s geographic reach from insurance needed for foreign staff or premises. Travelers markets both CyberRisk Tech and international programs; CFC’s technology page spans startups through multinational businesses. Neither audience description is a substitute for a country-by-country policy schedule. [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [48](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology")

## Documented Provider Strengths

### CFC

- Technology E&O, cyber and media in a package [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)
- Cyber threat monitoring and 24/7 incident support [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)

### Travelers

- Travelers markets technology insurance to startups and established tech companies, with CyberRisk Tech that can combine cyber and technology E&O. [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [33](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [31](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.)
- U.S. business insurance is sold through independent agents; many small risks can be quoted and issued in an agent platform, while specialty technology accounts still need underwriting. [35](https://www.travelers.com/contact-us "Contact Us") [52](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [58](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [51](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | CFC | Travelers |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [31](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") |
| Cargo and transit | Not listed | Listed [42](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") |
| Commercial auto | Not listed | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| Commercial property | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| Crime | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") | Listed [41](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") |
| Cyber liability | Listed [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") | Listed [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| Directors and officers | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [38](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") |
| Employment practices liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [40](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") |
| Equipment breakdown | Not listed | Listed [44](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") |
| Fidelity bonds | Not listed | Listed [43](https://www.travelers.com/surety-bond "Surety Bonds") [37](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") |
| Fiduciary liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [39](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") |
| General liability | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") |
| Intellectual property | Listed [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") | Not listed |
| Kidnap and ransom | Listed [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") | Listed [37](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [48](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") |
| Management liability | Listed [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") | Listed [37](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") |
| Media liability | Listed [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") | Listed [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| Medical malpractice | Listed [20](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") | Not listed |
| Product liability | Listed [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") | Not listed |
| Product recall | Listed [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") | Not listed |
| Professional liability / E&O | Listed [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") | Listed [56](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") |
| Representations and warranties | Listed [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") | Not listed |
| Surety bonds | Not listed | Listed [43](https://www.travelers.com/surety-bond "Surety Bonds") |
| Technology errors and omissions | Listed [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") |
| Tools, equipment and inland marine | Not listed | Listed [42](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") |
| Umbrella and excess liability | Listed [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [55](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") |
| Virtual care and telehealth | Listed [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") | Not listed |
| Workers’ compensation | Not listed | Listed [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [54](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between CFC and Travelers

### Keep the Technology Comparison Separate from the Overseas Program

Travelers describes CyberRisk Tech with technology E&O, privacy/security, media, regulatory and breach-response agreements. CFC’s technology brochure describes E&O, cyber, media/IP, general liability and contract-related features. Compare the actual insuring agreements for the startup’s services, including where claims may be brought; a list of covered territories alone will not answer every contractual requirement. [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")

Travelers separately describes Global Companion Plus+ and controlled master programs. Its US Global Companion Plus+ product is described as non-admitted, with international network arrangements discussed separately. Do not present that US contract as proof that a local admitted policy has been issued for a foreign subsidiary. CFC’s multinational customer description likewise does not document a complete local-policy arrangement for this buyer. [49](https://www.travelers.com/business-insurance/global "Global Insurance") [48](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology")

### Surrounding Coverages May Come with Dependencies

Travelers’ technology catalogue lists property, workers’ compensation, commercial auto and umbrella as well as cyber. Its umbrella page says coverage typically requires underlying Travelers primary insurance. CFC markets excess options that can consider another insurer’s underlying policy. These are different published structures, not a finding that either will accept the proposed underlying program. Have the broker identify which policies must move together. [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [55](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover")

California regulator listings for Travelers concern named insurers, not every CyberRisk Tech or international form. CFC’s California technology route remains unresolved in its public disclosures. A domestic admitted insurer’s presence should not be used to settle either the technology product’s status or foreign local-policy requirements. [59](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [60](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

### A Portal Feature Is Useful Only If This Account Receives It

Travelers describes MyTravelers billing, documents and claims tools, but real-time certificate features are limited to specified account segments. CFC Connect is a broker portal; its cyber response service has a different purpose. If overseas contracts generate frequent certificate or endorsement requests, ask the appointed broker to demonstrate the applicable process rather than infer it from either platform’s existence. [47](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [7](https://www.cfc.com/en-us/response/ "CFC Response")

## What to Confirm in Quotes

- Which countries, entities, services and claim jurisdictions are covered by the technology form, and which need separate local policies?
- Does an umbrella or international proposal depend on moving underlying policies, and what insurers and placement classifications apply?
- Can this account use the advertised certificate tools, and who handles foreign endorsements and urgent customer requirements?



## Service Comparison

CFC vs Travelers: documented services and availability.

| Criteria | CFC | Travelers |
| --- | --- | --- |
| Coverage lines | CFC’s U.S. technology brochure describes errors and omissions, cyber, media/IP infringement and general liability protection, including liability arising from client contract breaches. The brochure describes a package; the quote and wording determine which sections and exclusions apply. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC’s U.S. cyber catalogue lists Cyber Proactive Response, admitted cyber, Corporate cyber and cyber excess. These are distinct offerings; an admitted label on the website does not establish California eligibility or identical wording across products. [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC markets management liability covering directors and officers, employment practices, fiduciary exposures and crime, and separately lists Side A DIC excess protection for directors and officers. Its U.S. management-liability brochure declines California-domiciled business; do not read these catalogue entries as California availability. [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC separately markets intellectual-property insurance for infringement defense, enforcement and related IP risks, including patent exposures. Its scope should be compared with the narrower IP provisions in any technology quote. [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC offers fintech insurance combining financial and technology liability with other financial-sector risks, eHealth for digital-health businesses, and life-science packages for businesses such as device or drug developers and nutraceutical companies. These sector products require their own underwriting and terms. [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC’s U.S. product pages also market professional E&O, property and general liability, media liability, medical malpractice, product recall, kidnap and ransom, and umbrella protection over professional liability, general liability or cyber. This catalogue does not mean every line is included in a technology policy or available for every California risk. [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") [20](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC markets representations and warranties insurance, small-business buyer and seller protection, and secondary-liquidity transaction solutions. These are transaction-specific products rather than ordinary operating-company liability coverage. [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>Other CFC specialty offerings include carbon-credit delivery, cancellation and lender non-payment insurance; a CORSIA guarantee product; standalone sexual abuse and molestation liability through Safeprotect; terrorism insurance; and marine hull-war and kidnap-and-ransom cover. Their presence on the U.S. site does not resolve California placement eligibility. [25](https://www.cfc.com/en-us/products/class/carbon-insurance/ "Carbon insurance") [26](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/ "Safeprotect misconduct liability") [27](https://www.cfc.com/en-us/products/class/terrorism/ "Terrorism") [28](https://www.cfc.com/en-us/products/industry/marine/ "Marine") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [31](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [37](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [56](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [42](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [44](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [43](https://www.travelers.com/surety-bond "Surety Bonds") [55](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) |
| Availability | CFC reports that CFC USA, Inc. holds producer licenses in all 50 states and Washington, D.C., plus excess and surplus lines authorization in California, Georgia, New York and Texas. It identifies its California licensing name as CFC General Insurance Agency, Inc. This is CFC’s disclosure, not an independently checked California license record or confirmation of product eligibility. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>CFC’s January 2026 U.S. management-liability brochure lists California-domiciled business and standalone employment practices liability under risks it declines. This restriction is specific to the described management-liability offering; it does not establish a California exclusion for every CFC product. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed U.S. technology page, brochure and application do not establish the currently available admitted or surplus-lines route for a particular California startup. CFC announced admitted technology E&O in 2023, but the reviewed materials do not supply a current California product eligibility schedule. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [29](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/ "CFC launches admitted offerings for professional liability and technology E&O") (Evidence: Not found in reviewed sources; scope: California technology-product access only. General producer authorization is separate from product eligibility. No live quote or state filing was obtained.; verified: 2026-09-16.) | Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. [58](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [57](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [50](https://www.travelers.com/about-travelers "Who We Are") (Evidence: Company-reported; scope: Group geographic description from the 2025 Form 10-K and investor profile. Primary-U.S. operations do not mean every product is available in every state.; verified: 2026-09-16.)<br><br>California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. [59](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [60](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [53](https://agent.travelers.com/ca "Travelers Insurance agencies in CA") [48](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Verified; scope: Admitted-insurer authorization and a public agency directory as of 16 September 2026. No product-by-product California eligibility schedule was found on the reviewed technology pages. U.S. Global Companion Plus+ is described by Travelers as non-admitted and not equivalent to a local admitted policy.; verified: 2026-09-16.) |
| Application process | The U.S. technology application asks a senior staff member to complete it and return it to the company’s insurance broker. It requests revenue, funding, subsidiaries, products, major contracts, security controls, IP procedures and claims history. CFC’s Connect portal separately supports broker trading and describes a broker appointment process. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [35](https://www.travelers.com/contact-us "Contact Us") [52](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [30](https://www.travelers.com/business-insurance/technology "Technology Insurance") [32](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [58](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [51](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) |
| Servicing and renewals | CFC says its cyber service includes threat monitoring and alerts, a response app and round-the-clock technical incident support. These are company-described services; access, scope and any conditions should be checked against the proposed policy. [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed Connect and technology application pages do not specify a customer-facing renewal timetable, certificate turnaround or dedicated account-management commitment for California technology buyers. Confirm those arrangements with the placing broker. [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | MyTravelers for Business is described as an account portal for paying bills, reporting and tracking claims, retrieving policy documents and printing auto ID cards. Certificates of insurance and adding additional interests while creating a certificate are described as available in real time only for certain Select Accounts and National Programs Commercial Multi-Peril customers. Contact-us copy tells business policyholders to contact their agent for policy-service questions. [47](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [35](https://www.travelers.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Portal and contact descriptions as of 16 September 2026. Feature availability can differ by account segment; this is not a service-quality finding.; verified: 2026-09-16.) |

## Related Reading

- [What Is CFC Insurance?](https://spot.insure/insurance-providers/cfc)
- [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers)

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## Sources

### [CFC Official Website](https://www.cfc.com/en-us/)

1. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
2. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
3. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. 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 2026-09-16.
5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
6. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
7. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
8. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; General enquiries or claims; Experiencing a cyber incident now?. Accessed 2026-09-16.
9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response; Cyber (admitted); Corporate cyber; Cyber excess. Accessed 2026-09-16.
10. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16.
11. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: coverage; What we decline; Management liability. Accessed 2026-09-16.
12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
13. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product. Accessed 2026-09-16.
14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
15. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product and Key features. Accessed 2026-09-16.
16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall. Accessed 2026-09-16.
17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Seller protect; Buyer protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
18. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description. Accessed 2026-09-16.
19. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product; Telemedicine; mHealth; Artificial intelligence; Remote patient monitoring. Accessed 2026-09-16.
20. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16.
21. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16.
22. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences; Nutraceuticals; What does CFC’s life science policy cover?. Accessed 2026-09-16.
23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; Fintech product; What does CFC’s fintech policy cover?. Accessed 2026-09-16.
24. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
25. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
26. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
27. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
28. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
29. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

### [Travelers Official Website](https://www.travelers.com/business-insurance/technology)

30. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Hero and product list: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
31. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16.
32. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech insuring agreements including technology E&O, privacy and security, media and regulatory proceedings, breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16.
33. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16.
34. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16.
35. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
36. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
37. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16.
38. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
39. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
40. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16.
41. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16.
42. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland marine property in transit; computers and electronics; transportation, cargo and logistics coverage. Accessed 2026-09-16.
43. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16.
44. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16.
45. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16.
46. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16.
47. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16.
48. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16.
49. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16.
50. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16.
51. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16.
52. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16.
53. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16.
54. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16.
55. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; A/B umbrella, excess liability, and Northfield excess and surplus lines; purchase via independent agent; typically requires underlying Travelers primary coverage. Accessed 2026-09-16.
56. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16.
57. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16.
58. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16.
59. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16.
60. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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