biBerk vs 
CFC: How Do They Compare for Cyber Insurance?
CFC describes 24/7 incident response and monitoring and a 12-month business-interruption indemnity period for Cyber Proactive Response; it positions that product for businesses with revenues up to $250 million, subject to underwriting. biBerk sells cyber as an add-on and publishes $50,000 response and defense examples. 9,10,8,3
What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 1,2
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 4,5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 12,13
What Are the Key Differences Between biBerk and CFC Cyber Insurance?
Built-In Response and Add-On Structure
CFC says every cyber policyholder gets its in-house 24/7 response service and a monitoring app. biBerk sells cyber as an add-on to GL, professional liability, or BOP and publishes example response and defense limits of $50,000 each. Compare the selected policy structure and the response limits on the actual quote. 9 10 3
Interruption Period and Revenue Segment
CFC’s Cyber Proactive Response lists a 12-month business-interruption indemnity period, data recreation, and reinstatements, and it is positioned for businesses up to $250 million in revenue subject to underwriting. biBerk’s selected example describes response and defense amounts rather than a comparable interruption period. Confirm the trigger and limit for interruption on both proposed forms. 8 3
What Should You Confirm in biBerk and CFC Cyber Insurance Quotes?
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Ask CFC which product and deductible/reinstatement terms apply; ask biBerk which parent policy is required and whether its limits can exceed the examples. 8 3
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Ask CFC how the 12-month interruption period and limit are calculated; ask biBerk whether interruption is included in the selected add-on. 8 3
biBerk and CFC Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
biBerk Review Score
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsCFC Review Score
Review Score
No reviews found
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.[4][11]
Read CFC reviewsbiBerk vs CFC Cyber Insurance Compared
biBerk vs CFC: Cyber Insurance: documented features by provider
| Criteria | biBerk Cyber Insurance Add-on | CFC Cyber Proactive Response |
|---|---|---|
| Role in This Line | Confirm in your quote. | CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. 8Company-reported. Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess policy. |
| Issuing Insurer | Confirm in your quote. | The Cyber Proactive Response application form names only CFC Underwriting Limited, an entity authorized and regulated by the UK Financial Conduct Authority, as the party administering the form. Neither the cyber product page nor the application discloses which specific insurer or Lloyd's syndicate capacity sits behind a US Cyber Proactive Response policy. 11,7Not publicly disclosed. Application footer and the regulatory information page, both checked on 2026-09-23; CFC also operates Lloyd's Syndicate 1988 and CFC USA Inc.'s admitted and E&S licenses, but no page ties one of these specifically to Cyber Proactive Response. |
| Who It’s For | Confirm in your quote. | CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. 8Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting. |
| Coverage Features | biBerk sells cyber/data-breach protection as an add-on to GL, Professional Liability or BOP, rather than presenting it as a stand-alone product on this page. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business cyber endorsement. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says first-party cyber response expenses may be covered with the GL or BOP cyber add-on; affected-person services such as identity restoration and monitoring are available only with the BOP add-on. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: first-party data-breach expenses. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; service and expense availability depends on selected base policy, limits, jurisdiction and issued terms. biBerk describes third-party cyber defense and liability costs for covered data events. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: third-party cyber liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | Cyber Proactive Response includes crime cover, a 12-month indemnity period for business interruption, and data recreation cover, with unlimited claim reinstatements available at either no deductible or a single deductible at most. 8Company-reported. Cyber product page Key features list for Cyber Proactive Response. |
| Limits and Retentions | biBerk publishes an example base cyber package with $50,000 response expense and $50,000 defense liability limits. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: base add-on example limits. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | For larger businesses, CFC's Corporate cyber product (for revenues of $250 million or more) has a published maximum line size of $25 million; the Cyber Proactive Response and Cyber (admitted) pages for smaller businesses do not publish a maximum dollar limit. 8Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations. |
| Risk Services | Confirm in your quote. | Every CFC cyber policyholder gets CFC Response, described as an in-house incident-response service available 24/7, plus a free mobile app offering dark web monitoring, phishing simulations and external network deep scanning. 9,10Company-reported. Response page and cyber brochure; CFC characterizes its incident response team as one of the largest in-house teams in the industry, a claim not independently verified here. |
| How to Apply | Confirm in your quote. | The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. 11Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. |
| Claims Support | Confirm in your quote. | CFC says its in-house cyber claims team resolves several thousand cyber claims a year and reports a 99.4% cyber claims acceptance rate over a recent 12-month period. 10Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited. |
Related Pages for biBerk vs CFC Cyber Insurance
Cyber Insurance Pages for biBerk and CFC
Other Coverage Lines Compared for biBerk vs CFC
Other Cyber Insurance Provider Comparisons
Sources for biBerk vs CFC Cyber Insurance
Sources About biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Cyber Insurance & Data Breach Coverage for Business | biBerk. biBerk; Cyber add-on coverage, costs and claims. Accessed 2026-09-28.
Sources About CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Cyber insurance | CFC. CFC; Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess product summaries and Key features; FAQs: How is a cyber insurance policy structured? Accessed 2026-09-23.
- Incident response | CFC. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
- Protecting businesses against cyber risk (cyber product brochure). CFC; Market-leading cover highlights: separate limit for incident response costs, unlimited reinstatements with nil deductible, full business interruption cover; Award-winning cyber claims team stats. Accessed 2026-09-23.
- Cyber Proactive Response Insurance application form (US). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
