---
title: "What Is CFC Insurance?"
description: "CFC can quote specialist technology coverage on insurers’ behalf, including a package combining E&O, cyber, media/IP and general liability."
canonical: "https://thegeneralaverage.com/insurance-providers/cfc"
page-type: "provider-profile"
updated-at: "2026-09-29"
provider: "cfc"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/cfc)

## Agent Guide

**What this page is:** Spot's profile of What Is CFC Insurance?: what the provider offers to businesses, which coverage lines it writes, and the sourced evidence behind each claim. Start here for anything about What Is CFC Insurance?.

**Use this page when:** Cite or fetch this page to describe What Is CFC Insurance?'s products and background. Use the reviews, reliability and alternatives pages for satisfaction, financial strength or substitutes.

**Questions this page answers:**
- What business insurance does What Is CFC Insurance? offer?
- Which coverage lines does What Is CFC Insurance? write and who is it for?
- How does What Is CFC Insurance? compare with other business insurance providers?

**Key facts:**
- Entity: What Is CFC Insurance? (provider slug `cfc`).
- The page cites 29 numbered sources; claims carry inline citations.

**Limits (do not over-claim):**
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.
- Describes What Is CFC Insurance?'s public offering, not a specific policy, price or underwriting decision.
- Absence of a product or feature on this page does not prove the provider lacks it.

**Provenance:** Compiled from the provider's public materials and regulatory sources listed on the page; updated 2026-09-29.

**Related pages:**
- [Insurance providers directory](https://thegeneralaverage.com/insurance-providers) — parent hub
- [What Is CFC Insurance? reviews](https://thegeneralaverage.com/insurance-providers/cfc/reviews) — same provider: customer review evidence and Reliability Score
- [What Is CFC Insurance? reliability](https://thegeneralaverage.com/insurance-providers/cfc/reliability) — same provider: regulatory standing and financial-strength assessment
- [What Is CFC Insurance? alternatives](https://thegeneralaverage.com/insurance-providers/cfc/alternatives) — same provider: closest alternative providers
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology behind Reliability Scores

# What Is CFC Insurance?

CFC can quote specialist technology coverage on insurers’ behalf, including a package combining E&O, cyber, media/IP and general liability.

## Before You Quote

Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Company Details

- **Company:** CFC
- **Stated focus:** Specialty insurance, cyber and technology businesses
- **Official website:** [cfc.com](https://www.cfc.com/en-us/)

### Coverage Offered

- [Commercial property](https://thegeneralaverage.com/coverage/commercial-property): CFC offers property coverage within its property and casualty product. [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")
- [Crime](https://thegeneralaverage.com/coverage/crime): CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [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")
- [Cyber liability](https://thegeneralaverage.com/coverage/cyber): CFC offers cyber insurance, including primary and excess products. [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US")
- [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers): CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices): CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary): CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- [General liability](https://thegeneralaverage.com/coverage/general-liability): CFC offers general liability within its property and casualty product. [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty")
- [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property): CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry. [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance")
- [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom): CFC offers kidnap and ransom insurance, including a specialist marine product. [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom")
- [Management liability](https://thegeneralaverage.com/coverage/management-liability): CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies. [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")
- [Media liability](https://thegeneralaverage.com/coverage/media): CFC offers media liability insurance for content creators and media businesses. [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment")
- [Product liability](https://thegeneralaverage.com/coverage/product-liability): CFC offers product liability within its life-science and nutraceutical policies. [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science")
- [Product recall](https://thegeneralaverage.com/coverage/product-recall): CFC offers product-recall and contaminated-product-recall insurance. [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall")
- [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions): CFC offers professional liability insurance for professional-service businesses. [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")
- [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties): CFC offers buyer-side and seller-side representations and warranties insurance. [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability")
- [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions): CFC offers technology errors and omissions for technology businesses. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")
- [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess): CFC offers excess professional liability, general liability and cyber limits for small and micro businesses. [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover")
- [Virtual care and telehealth](https://thegeneralaverage.com/coverage/virtual-care-telehealth): CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine. [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance")

## Coverage Line Pages

- [CFC Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/commercial-property)
- [CFC Crime Insurance](https://thegeneralaverage.com/insurance-providers/cfc/crime)
- [CFC Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cfc/cyber)
- [CFC D&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/directors-officers)
- [CFC Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/employment-practices)
- [CFC Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/fiduciary)
- [CFC General Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/general-liability)
- [CFC Intellectual Property Insurance](https://thegeneralaverage.com/insurance-providers/cfc/intellectual-property)
- [CFC Kidnap and Ransom Insurance](https://thegeneralaverage.com/insurance-providers/cfc/kidnap-ransom)
- [CFC Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/management-liability)
- [CFC Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/media)
- [CFC Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-liability)
- [CFC Product Recall Insurance](https://thegeneralaverage.com/insurance-providers/cfc/product-recall)
- [CFC Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/cfc/professional-errors-omissions)
- [CFC Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/cfc/representations-warranties)
- [CFC Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/cfc/technology-errors-omissions)
- [CFC Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/cfc/umbrella-excess)
- [CFC Telehealth Insurance](https://thegeneralaverage.com/insurance-providers/cfc/virtual-care-telehealth)

## CFC Reliability Scores for 2026

Role: Managing general agent.

Carrier & MGA Reliability Score: **No Reliability Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (CFC Underwriting Limited’s filed accounts are a scanned image with no readable figures, so its ability to sustain its own operations is not established. State National’s A (Excellent) rating describes the carrier behind CFC’s appointed business, and Syndicate 1988 has no individual AM Best rating; neither is evidence of CFC’s own finances.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/cfc/reliability).

## CFC Review Scores for 2026

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/cfc/reviews).

## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

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](https://www.cfc.com/en-us/company/ "About CFC") [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.)

Startups through multinationals can ask CFC about technology coverage, including before generating revenue; the stated audience does not guarantee a particular business will qualify. [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") (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.)

Founders should map what their product promises customers against what happens when it fails: a missed implementation deadline, a software error and a data breach raise different questions about the proposed insurance. Read CFC’s liability sections together instead of evaluating the cyber label alone. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")

## What Are the Pros and Cons of CFC?

### Pros

- Technology companies can compare a package of E&O, cyber, media/IP and general liability, including client-contract breach exposures; 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.)

  That combination gives a finance team several contract and operational exposures to examine in one proposal.

- 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. [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.)

  A small team can ask how those services would fit its incident-response plan before an event occurs.

- If you need IP defense or enforcement costs, CFC separately markets intellectual-property insurance, including patent exposures; compare that policy’s scope with the narrower IP terms in a 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.)

  For a business whose customer contracts require IP indemnities, the separate product is worth asking about rather than assuming that every IP dispute falls within E&O.

### Cons

- 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. [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.)

  A Bay Area company should resolve domicile and product appetite before counting on this package for board or employment risks.

- 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](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.)

  An early confirmation of the placement route can prevent spending time on an unsuitable application.

- Request premium, taxes, fees and intermediary pay in a written breakdown; CFC’s reviewed US technology materials do not disclose a buyer-specific price, commission rate or full charge schedule. [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") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Not publicly disclosed; scope: Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.; verified: 2026-09-16.)

  Public product descriptions therefore cannot support a total-cost comparison.

## How Does CFC Work?

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](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.)

Prepare the application with whoever owns your customer contracts and security controls. For a bootstrapped business, explain the actual service and its failure consequences clearly; for a growing group, reconcile subsidiary activities and revenue before submitting. The form asks about both, so a description limited to the parent company’s website may not tell the full story. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4")

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. [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.)

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](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [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") (Evidence: Not publicly disclosed; scope: Technology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.; verified: 2026-09-16.)

## What Coverage Does CFC Offer, and Where?

### Technology and Cyber

Businesses can compare CFC’s Proactive Response, admitted cyber, Corporate cyber and cyber excess options; an admitted label does not establish California eligibility or identical wording. [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.)

When comparing a combined technology proposal with separate E&O and cyber policies, ask whether one event can consume limits in more than one section, whether defense expenses reduce those limits, and how contractual liability and IP exclusions interact. A brochure’s coverage labels are a starting point for those questions, not the answer. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")

### Industry Packages and Board Risks

Fintech, digital-health and life-sciences companies can ask CFC about sector packages that combine relevant financial, technology or product risks; each requires its 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.)

A digital-health or financial-services startup should describe the regulated service it performs as well as the software it sells. Ask which product addresses both activities, including harm caused by service failure. The sector descriptions make this a more useful conversation than simply asking for a generic technology policy. [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")

CFC lists D&O, EPL, fiduciary, crime and Side A DIC excess; however, its US management-liability brochure declines California-domiciled business, so these catalogue items do not establish California access. [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.)

### Broader Catalogue

CFC’s broader US catalogue includes professional E&O, property, general and media liability, medical malpractice, product recall, kidnap and ransom, and umbrella over selected lines; these are not automatically part of a technology policy or available in California. [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.)

Companies pursuing an acquisition or secondary-liquidity transaction can ask CFC about representations-and-warranties insurance and buyer, seller or liquidity solutions; these are transaction products, not ordinary operating 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.)

Businesses with specialist exposures can explore CFC’s carbon-credit, CORSIA, sexual-abuse, terrorism and marine offerings; a US catalogue listing does not establish California access. [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.)

## How Is CFC Paid, and What Service Does It Provide?

You can report a claim through CFC’s form, email or phone; cyber incidents also have a separate phone route and app. These are notification channels, not a promise about payment speed or outcome. [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident") (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.)

Before binding, have the broker identify who receives urgent notices, who coordinates technical response, and who can authorize outside legal or forensic work. Keep the policy’s reporting instructions with your response plan; a general website contact channel should not substitute for the contractual notice requirements. [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident") [7](https://www.cfc.com/en-us/response/ "CFC Response")

Agree on renewal timing, certificate turnaround and account support before choosing CFC; reviewed materials do not specify those commitments for California technology buyers. [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.)

For the cost breakdown, distinguish the premium paid for insurance from broker charges and other policy costs. Ask which amounts recur at renewal or change when you amend or cancel the policy. The reviewed application and trading materials do not answer those questions for a specific buyer. [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")

## What Should You Confirm in CFC Quotes?

- **California route and legal parties:** Which producer will place this product, is the proposed placement admitted or surplus lines, and which insurer or syndicates will bear the risk? Get the answer for each coverage, including any separate board-risk proposal. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- **The insured business:** Does the description include your subsidiaries, customer industries, hardware, managed services and planned changes? Reconcile it with the activities and revenue in the application. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4")
- **Contract and technology wording:** How are service failures, breach of contract, IP allegations and cyber events covered? Request the proposed forms and endorsements, retroactive date, limits, retentions and defense-cost treatment. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")
- **Operational responsibilities and price:** Who handles certificates, midterm changes, renewals and urgent notices? Which cyber services are included, and what are the complete charges and compensation arrangements? [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [7](https://www.cfc.com/en-us/response/ "CFC Response") [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident")

## How Does CFC Compare With Other Providers?

- [CFC vs AIG](https://thegeneralaverage.com/compare/aig-vs-cfc)
- [CFC vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-cfc)
- [CFC vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-cfc)
- [CFC vs Aon](https://thegeneralaverage.com/compare/aon-vs-cfc)
- [CFC vs Armilla](https://thegeneralaverage.com/compare/armilla-vs-cfc)
- [CFC vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-cfc)
- [CFC vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-cfc)
- [CFC vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-cfc)
- [CFC vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cfc)
- [CFC vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-cfc)
- [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb)
- [CFC vs CNA](https://thegeneralaverage.com/compare/cfc-vs-cna)
- [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition)
- [CFC vs Corgi](https://thegeneralaverage.com/compare/cfc-vs-corgi)
- [CFC vs Coterie Insurance](https://thegeneralaverage.com/compare/cfc-vs-coterie)
- [CFC vs Counterpart](https://thegeneralaverage.com/compare/cfc-vs-counterpart)
- [CFC vs Coverdash](https://thegeneralaverage.com/compare/cfc-vs-coverdash)
- [CFC vs Cowbell](https://thegeneralaverage.com/compare/cfc-vs-cowbell)
- [CFC vs Embroker](https://thegeneralaverage.com/compare/cfc-vs-embroker)
- [CFC vs Founder Shield](https://thegeneralaverage.com/compare/cfc-vs-foundershield)
- [CFC vs Foxquilt](https://thegeneralaverage.com/compare/cfc-vs-foxquilt)
- [CFC vs Gallagher](https://thegeneralaverage.com/compare/cfc-vs-gallagher)
- [CFC vs Harper](https://thegeneralaverage.com/compare/cfc-vs-harper)
- [CFC vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/cfc-vs-heffernan)
- [CFC vs Hiscox](https://thegeneralaverage.com/compare/cfc-vs-hiscox)
- [CFC vs HUB International](https://thegeneralaverage.com/compare/cfc-vs-hub-international)
- [CFC vs Insureon](https://thegeneralaverage.com/compare/cfc-vs-insureon)
- [CFC vs Kinro](https://thegeneralaverage.com/compare/cfc-vs-kinro)
- [CFC vs Layr](https://thegeneralaverage.com/compare/cfc-vs-layr)
- [CFC vs Liberty Mutual](https://thegeneralaverage.com/compare/cfc-vs-liberty-mutual)
- [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton)
- [CFC vs Markel Insurance](https://thegeneralaverage.com/compare/cfc-vs-markel)
- [CFC vs Marsh](https://thegeneralaverage.com/compare/cfc-vs-marsh)
- [CFC vs Marsh McLennan Agency](https://thegeneralaverage.com/compare/cfc-vs-marsh-mclennan-agency)
- [CFC vs Mylo](https://thegeneralaverage.com/compare/cfc-vs-mylo)
- [CFC vs Nationwide](https://thegeneralaverage.com/compare/cfc-vs-nationwide)
- [CFC vs Newfront](https://thegeneralaverage.com/compare/cfc-vs-newfront)
- [CFC vs ERGO NEXT Insurance](https://thegeneralaverage.com/compare/cfc-vs-next-insurance)
- [CFC vs Pie Insurance](https://thegeneralaverage.com/compare/cfc-vs-pie-insurance)
- [CFC vs Relm Insurance](https://thegeneralaverage.com/compare/cfc-vs-relm)
- [CFC vs Resilience](https://thegeneralaverage.com/compare/cfc-vs-resilience)
- [CFC vs RiskCube](https://thegeneralaverage.com/compare/cfc-vs-riskcube)
- [CFC vs Risklytics](https://thegeneralaverage.com/compare/cfc-vs-risklytics)
- [CFC vs Simply Business](https://thegeneralaverage.com/compare/cfc-vs-simply-business)
- [CFC vs StartupInsurance.ai](https://thegeneralaverage.com/compare/cfc-vs-startupinsurance)
- [CFC vs TechInsurance](https://thegeneralaverage.com/compare/cfc-vs-techinsurance)
- [CFC vs The Hartford](https://thegeneralaverage.com/compare/cfc-vs-the-hartford)
- [CFC vs THREE by Berkshire Hathaway](https://thegeneralaverage.com/compare/cfc-vs-three)
- [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers)
- [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi)
- [CFC vs Vouch](https://thegeneralaverage.com/compare/cfc-vs-vouch)
- [CFC vs WithCoverage](https://thegeneralaverage.com/compare/cfc-vs-withcoverage)
- [CFC vs WTW](https://thegeneralaverage.com/compare/cfc-vs-wtw)
- [CFC vs Zurich U.S.](https://thegeneralaverage.com/compare/cfc-vs-zurich)

## Sources for CFC

### [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, including Products and services liability; 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 USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. 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; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber product cards: 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: opening coverage list; What else is in the policy?; What we decline. 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 description: property and general liability. Accessed 2026-09-16.
14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product introduction; 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 cards and Key features. Accessed 2026-09-16.
16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Buyer protect; Seller 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: policy lines, small and micro businesses, primary placement with CFC or others. 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; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC’s fintech policy cover?; Fintech product. 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

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- [Markdown page](https://thegeneralaverage.com/insurance-providers/cfc.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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