--- title: "Switch from CFC" description: "Compare technology and cyber proposals with Spot before you renew or replace a CFC policy." canonical: "https://spot.insure/switch-from/cfc" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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/switch-from/cfc) ## Agent Guide **What this page is:** Compare technology and cyber proposals with Spot before you renew or replace a CFC policy. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Switching from CFC? Compare your options with Spot CFC’s technology package combines technology E&O, cyber, media and intellectual property with general liability, and your Spot team asks other brokers for the package and for each line on its own. - Package and single-line quotes compared - Subsidiaries and revenue reconciled once - Certificates and requirements checked after the move [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=technology-errors-omissions&icp=startups) ## How it works - **Send your package policy and schedule.** Upload the technology policy, its endorsements and the application you gave CFC. Your Spot team notes the insurer or syndicate on the documents, which can differ from the brand. - **Rebuild the application with us.** CFC’s form asks about revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims. Your Spot team collects those answers once with the people who own each topic. - **Brokers quote the package and its parts.** We ask brokers for a combined technology program and for separate lines, then share each reply in Slack. - **Compare wording, then bind.** Your Spot team compares limits, retentions, retroactive dates and defense-cost treatment across the proposals, and helps you bind before your CFC policy ends. CFC can quote specialist technology coverage on insurers’ behalf, including a package that combines technology E&O, cyber, media and intellectual property with general liability. Its technology application asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history, and it goes to a broker. CFC Connect separately supports broker trading and appointments. ## Why businesses consider switching - **You added subsidiaries or products.** A group that grew past its first policy may want activities and revenue described differently. - **One line needs to move.** You may want a different cyber limit or media wording without rebuilding the whole package. - **Customers want higher limits.** Enterprise agreements can ask for limits or additional insureds that your current schedule lacks. - **You want help running the program.** Certificates, midterm changes and renewal preparation are easier when one team tracks them. ## How to switch without a gap - **Gather policy dates and wording.** Read the expiry, retroactive date and extended reporting terms in the technology forms so you know what a new insurer must match. - **Ask for the package and its separate lines.** Early proposals show whether keeping everything together or splitting it suits you better. - **Bind before you cancel.** Keep the CFC-quoted policy active until the new binder or policy is confirmed. Dropping it first can leave a claim reported too late under the wrong policy. - **Cancel through the placing broker.** CFC’s technology applications go to a broker, so that broker sends the cancellation. Ask who holds your certificate list, then reissue certificates for the new policies. ## Coverage - [Technology errors and omissions (E&O)](https://spot.insure/insurance/technology-errors-omissions/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Media liability](https://spot.insure/insurance/media/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Directors and officers](https://spot.insure/insurance/directors-officers/quotes) - [Intellectual property](https://spot.insure/insurance/intellectual-property/quotes) - [Employment practices liability](https://spot.insure/insurance/employment-practices/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) ## Common questions ### My policy is a package. Can Spot compare separate policies? Yes. We ask brokers for the package as well as the individual lines, so you can see what splitting or combining them would change. ### What will a new application ask me? Much the same as the last one: revenue, funding, subsidiaries, products, customer contracts, security controls and claims. Your Spot team assembles those once and reuses them. ### Does CFC have any relationship with Spot? No. Spot is independent of CFC and doesn’t act for it. We mention CFC only to identify your current policy. ### Is it too late to switch if my term started months ago? Not necessarily, but mid-term moves depend on cancellation rules and on a new insurer accepting the risk. Many companies set a date near renewal, and your Spot team can work backward from it. ### Do I pay Spot a fee through my premium? Spot doesn’t collect commissions on premiums. Your broker stays your broker if you want, and Spot works next to them. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/cfc.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)