---
title: "CFC vs Vouch Professional Liability (E&O) Insurance"
description: "Vouch's program partner Corix names two specific insurers for its E&O product while CFC names none for its own package."
canonical: "https://spot.insure/compare/cfc-vs-vouch/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Vouch Professional Liability (E&O) Insurance

Vouch's program partner Corix names two specific insurers for its E&O product while CFC names none for its own package.

## Research Scope and Use

Use this comparison to evaluate CFC and Vouch for Professional Liability (E&O) 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

Vouch's program partner Corix names State National or United Specialty Insurance Company as the issuer of its proprietary E&O product, while CFC's materials describe CFC as the designer of its own Professional services package without naming an insurer. [14](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

## 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 Vouch Insurance?

Vouch is a business insurance broker and risk advisor for startups and growing companies. Buyers can apply online and work with advisors to arrange coverage, review contract requirements and manage insurance across carriers. [8](https://www.vouch.us/ "Vouch Homepage") [9](https://apply.vouch.us/ "Start a Vouch Application") [10](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [11](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review")

[Vouch profile](https://spot.insure/insurance-providers/vouch)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [15](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [16](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [17](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [18](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Naming the Insurer Behind Each Policy

Vouch's program partner Corix names State National Insurance Company or United Specialty Insurance Company as the issuer of its proprietary E&O product. [14](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") CFC's materials describe CFC as the designer of its own Professional services package but do not name any underwriting insurer for it. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

### A Broker's Program Partner Against a Self-Designed Package

Vouch places E&O coverage among its core coverages for professional-services clients, naming Corix as a program partner with its own dedicated E&O product. [12](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") CFC instead designs and distributes its own modular Professional services package directly, with general liability, property and cyber as add-ons to the same policy. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

### Starting an Application

Corix's E&O product page offers a downloadable application and a broker appointment process. [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") CFC instead offers a dedicated application form plus digital trading through its Connect platform or API partners, alongside standard broker submissions. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Vouch whether your placement would go through Corix, another program partner, or a different carrier altogether. [14](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures")
- Confirm whether your profession appears on CFC's declined list before relying on a quote. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Get published limits and retentions from both; ask each directly for exact figures for your business. [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Ask CFC whether general liability, property or cyber add-ons are included in your quote or priced separately. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

## Offering Details

| Criteria | CFC Professional Services | Vouch Errors & Omissions Insurance |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](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..) | Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. [12](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") (Evidence: Company-reported; scope: Vouch's Professional Services page and Corix's cyber/E&O product page..) |
| Issuing Insurer | The reviewed professional liability page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Professional liability product page and professions brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations..) | Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. [14](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") (Evidence: Company-reported; scope: Corix disclosures page..) |
| 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. [6](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..) | Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. [12](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") (Evidence: Company-reported; scope: Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant..) |
| 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. [6](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..)<br><br>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. [6](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..) | Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") (Evidence: Company-reported; scope: Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy..) |
| 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. [6](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..) | Neither the Vouch nor Corix pages publish E&O policy limits or retentions. [12](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") (Evidence: Not publicly disclosed; scope: Pages checked on 2026-09-23..) |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole..) | Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. [13](https://www.corixinsurance.com/products/cyber-and-errors-omissions "Cyber and Errors & Omissions") [12](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") (Evidence: Company-reported; scope: Corix product page and Vouch site navigation..) |
| 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. [7](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..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Vouch](https://spot.insure/compare/cfc-vs-vouch): 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 E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [CFC vs Vouch Commercial Property Insurance](https://spot.insure/compare/cfc-vs-vouch/commercial-property)
- [CFC vs Vouch Cyber Insurance](https://spot.insure/compare/cfc-vs-vouch/cyber)
- [CFC vs Vouch D&O Insurance](https://spot.insure/compare/cfc-vs-vouch/directors-officers)
- [CFC vs Vouch General Liability Insurance](https://spot.insure/compare/cfc-vs-vouch/general-liability)
- [CFC vs Vouch Product Liability Insurance](https://spot.insure/compare/cfc-vs-vouch/product-liability)
- [CFC vs Vouch Tech E&O Insurance](https://spot.insure/compare/cfc-vs-vouch/technology-errors-omissions)
- [Alliance Risk vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/professional-errors-omissions)
- [Alliance Risk vs Vouch Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Vouch Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-vouch/professional-errors-omissions)
- [Beazley vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions)
- [Beazley vs Vouch Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-vouch/professional-errors-omissions)

## 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 USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [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.
6. [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.
7. [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.

### Vouch

8. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
9. [Start a Vouch Application](https://apply.vouch.us/). Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
10. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
11. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
12. [Insurance for Professional Services Firms](https://www.vouch.us/professional-services). Vouch; Expertise across professional services: Accounting & Finance, Architecture/Engineering/Construction, IT Consulting, Management Consulting, Marketing & Creative Agencies; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers' Compensation. Accessed 2026-09-23.
13. [Cyber and Errors & Omissions](https://www.corixinsurance.com/products/cyber-and-errors-omissions). Corix Insurance; Errors & Omissions insurance provided by Corix helps protect businesses for claims of negligence, mistakes, or inadequate work that causes a financial loss to clients, in the provision of professional services. It includes legal defense costs and damages awarded, even when the claim is groundless.. Accessed 2026-09-23.
14. [Legal Disclosures](https://www.corixinsurance.com/legal/disclosures). Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537).. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

15. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
16. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
17. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
18. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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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