CFC vs Coalition: How Do They Compare for Business Insurance?

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. ^5,4Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. ^31,36Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. ³¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. ³¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

California buyers should confirm product eligibility and current license authority before applying: CFC reports all-state producer licenses and surplus-lines authorization in four states, including California. It identifies CFC General Insurance Agency, Inc. as its California licensing name; this disclosure was not independently checked. ⁴Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

California-domiciled businesses should look elsewhere for the described management-liability product, and standalone EPL is also listed as declined. This restriction applies to the January 2026 brochure’s offering, not every CFC product. ¹¹Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Ask CFC for a current California eligibility answer before spending time on a technology application; reviewed pages do not establish the route for a particular startup. A 2023 admitted Tech E&O announcement does not supply a current product schedule. ^1,2,3,29Not found in reviewed sourcesCalifornia technology-product access only. General producer authorization is separate from product eligibility. No live quote or state filing was obtained.

Private and nonprofit organizations may fit Coalition’s stated Executive Risks appetite up to $500 million in assets, 1,000 employees and $500 million in plan assets across the US and DC; limitations apply. ³⁴Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

California buyers can ask about admitted or surplus cyber; Coalition lists Tech E&O and MPL under surplus coverage, but the exact Tech E&O form and applicant approval still need confirmation. ^39,40Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before binding a California technology policy, get the insurer and syndicate names in writing: CFC identifies Lloyd’s Syndicate 1988, managed by Asta, but its US technology materials do not identify the insurer for a buyer’s quote. ^4,2,3Not publicly disclosedTechnology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.

Ask who will issue your policy because admitted cyber uses Coalition Insurance Company while surplus placements use unaffiliated insurers; reviewed sources do not identify one insurer for every California Tech E&O quote. ^32,31Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. ^3,6Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. ⁴²Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. ⁴¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Cyber buyers can get threat monitoring, alerts, a response app and round-the-clock technical incident support according to CFC; check the proposed policy for access, scope and conditions. ⁷Company-reportedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Agree on renewal timing, certificate turnaround and account support before choosing CFC; reviewed materials do not specify those commitments for California technology buyers. ^6,3Not publicly disclosedCFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. ³⁷Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. ⁴⁴Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.