CFC vs 
Vouch: How Do They Compare for Tech E&O Insurance?
Vouch is a broker with an online Get Started flow, serving tech companies from first customer contract through IPO. CFC's application goes through your insurance broker, and its package reaches $10,000,000.
CFC’s Technology package puts E&O, bodily injury or property damage from your products, and cyber for your own systems in one policy with limits up to $10 million. Vouch is a broker that places tech E&O for AI, SaaS, fintech, hardware and crypto companies from first contract through IPO. 1,2,5
What Are the Key Differences Between CFC and Vouch Tech E&O Insurance?
An All-in-One Package vs a Broker’s E&O Placement
CFC underwrites a Technology package for startups, mid-size and multinational tech companies, with a $10 million maximum for E&O, media and cyber and incident response at a $0 deductible on a separate limit; you apply through a broker. Vouch is a broker, not an insurer, that places tech E&O for AI, SaaS, eCommerce, fintech, hardware and crypto companies from first customer contract through IPO, starting with an online “Get Started” application, and publishes no limits. Choose CFC if you want E&O and cyber in one policy with a known maximum; choose Vouch if you’re a crypto or fintech startup that wants to apply online. 1 2 3 5
Product Injury and Own-System Cyber Included vs Excluded
CFC’s brochure covers financial loss, bodily injury or property damage caused by your products and services, contract liability, IP infringement, and cyber for events on your own network. Vouch’s article says tech E&O covers service errors, negligence, missed deliverables, breach of contract or warranty, accidental IP infringement and third-party breach liability from a product vulnerability, but excludes bodily injury, property damage and cyber incidents on your own systems. With Vouch, you’ll need general liability and cyber policies alongside E&O. 2 6
What Should You Confirm in CFC and Vouch Tech E&O Insurance Quotes?
- Ask Vouch which insurer is quoting and how it will cover cyber on your own systems. 6 5
- If you make hardware, compare Vouch’s bodily injury and property damage exclusion with CFC’s inclusion. 6 2
- Get Vouch’s limits to compare with CFC’s $10 million maximum. 2
- Ask CFC which insurer issues Technology in the US; its application doesn’t say. 3
- If you’re a crypto company, confirm Vouch can place your E&O. 5
CFC vs Vouch Tech E&O Insurance Compared
CFC vs Vouch: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Vouch Technology Errors & Omissions Insurance |
|---|---|---|
| Who It’s For | CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. 5Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant. |
| How to Apply | The US Technology application asks for company revenue by year, funding-round history, subcontractor and hosting arrangements, and whether multi-factor authentication is enforced for remote network access and email; it is returned to your insurance broker. 3,1Company-reported. Application form Sections 1, 2 and 4; CFC also lists Connect and named API partners as digital trading channels on the product page, which may bypass a paper application for some brokers. | Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. 5Company-reported. Vouch Technology page navigation. |
| Coverage Features | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. 6Company-reported. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement. |
| Role in This Line | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. 5Company-reported. Vouch's Technology practice page. |
