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

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maximum line size of $25 million; the Cyber Proactive Response and Cyber (admitted) pages for smaller businesses do not publish a maximum dollar limit. ¹Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations.

Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^11,6Company-reported. Excess product help article; limit and retention amounts appear only on quotes.

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. ¹Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁹Company-reported. Availability help article; eligibility for a particular business depends on underwriting.

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. ⁴Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents.

You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ¹⁰Company-reported. Qualification help article; restates the verified provider fact broker-application.

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. ¹Company-reported. Cyber product page Key features list for Cyber Proactive Response.

Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ⁶Company-reported. Product-page description; the issued policy and declarations control.

Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. ⁶Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.

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. ¹Company-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.

Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ⁶Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.

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. ^2,3Company-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.

Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. ⁷Company-reported. Coalition Control policyholder features page.

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. ³Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited.

Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. ⁶Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.