---
title: "CFC vs Coalition: Cyber Insurance"
description: "Coalition keeps breach-response costs on a separate limit and includes Control monitoring at no extra cost. CFC's Cyber Proactive Response includes unlimited claim reinstatements for accounts up to $250 million in revenue."
canonical: "https://spot.insure/compare/cfc-vs-coalition/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-coalition"
provider-a: "cfc"
provider-b: "coalition"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-coalition/cyber)

## Agent Guide

**What this page is:** Focused comparison of CFC and Coalition for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about CFC versus Coalition. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs Coalition for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, CFC or Coalition?
- What does CFC or Coalition publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: CFC and Coalition.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile

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

Both bundle security: CFC includes a free app with dark web monitoring and a 24/7 response service, while Coalition includes Coalition Control and sells only through brokers.

Coalition keeps breach-response costs on a separate limit and includes Control monitoring; CFC's Cyber Proactive Response includes unlimited claim reinstatements up to $250 million in revenue.

## CFC vs Coalition Cyber Insurance Summary

Coalition keeps breach-response costs on a separate limit and includes Control monitoring at no extra cost. CFC's Cyber Proactive Response includes unlimited claim reinstatements for accounts up to $250 million in revenue. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## What Are the Key Differences Between CFC and Coalition Cyber Insurance?

### Separate Response Limit Versus Unlimited Reinstatements

Coalition says breach-response expenses have a separate limit, so incident costs do not use up the limit for other coverages. CFC includes unlimited claim reinstatements in Cyber Proactive Response, available at no deductible or a single deductible at most, plus a 12-month business-interruption indemnity period. Choose Coalition if you want response costs on their own limit plus Control monitoring; choose CFC if you want unlimited reinstatements on Cyber Proactive Response up to $250 million in revenue. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### Who Issues the Policy

Coalition states that admitted cyber policies are issued by Coalition Insurance Company, while non-admitted policies are placed with unaffiliated insurers. CFC's Cyber Proactive Response application names only CFC Underwriting Limited as the party administering the form, and neither the product page nor the application names a US issuing insurer. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### Coalition Control Versus CFC Response

Coalition Control is included at no additional cost, with attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. Every CFC cyber policyholder gets CFC Response 24/7 plus a free app for dark-web monitoring, phishing simulations and external network scanning. [7](https://www.coalitioninc.com/control "Coalition Control") [2](https://www.cfc.com/en-us/response/ "Incident response | CFC")

## What Should You Confirm in CFC and Coalition Cyber Insurance Quotes?

- Ask Coalition whether the quote is admitted Coalition Insurance Company paper or surplus lines. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")
- Ask CFC which insurer sits behind the US policy. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")
- Confirm whether Coalition's separate breach-response limit appears on the declarations. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")
- If your revenue is above $250 million, ask CFC about Corporate cyber's $25 million maximum line. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## CFC vs Coalition Cyber Insurance Compared

| Criteria | CFC Cyber Proactive Response | Coalition Active Cyber Insurance |
| --- | --- | --- |
| Limits and Retentions | 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Excess product help article; limit and retention amounts appear only on quotes..) |
| Who It’s For | 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [9](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage "Where does Coalition offer cyber insurance coverage?") (Evidence: Company-reported; scope: Availability help article; eligibility for a particular business depends on underwriting..) |
| How to Apply | 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. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") (Evidence: Company-reported; scope: 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. [10](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: Qualification help article; restates the verified provider fact broker-application..) |
| Coverage Features | 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page description; the issued policy and declarations control..)<br><br>Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage highlights, subject to exclusions and the policy as issued..) |
| Role in This Line | 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page..) |
| Risk Services | 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](https://www.cfc.com/en-us/response/ "Incident response | CFC") [3](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: 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. [7](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: Coalition Control policyholder features page..) |
| Claims Support | 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. [3](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: 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. [6](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified..) |

## About CFC and Coalition and Cyber Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for CFC vs Coalition Cyber Insurance

- [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [CFC Cyber Insurance](https://spot.insure/insurance-providers/cfc/cyber)
- [Coalition Cyber Insurance](https://spot.insure/insurance-providers/coalition/cyber)

## Sources for CFC vs Coalition Cyber Insurance

### Sources About CFC

1. [Cyber insurance | CFC](https://www.cfc.com/en-us/products/class/cyber-insurance/). 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.
2. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
3. [Protecting businesses against cyber risk (cyber product brochure)](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf). 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.
4. [Cyber Proactive Response Insurance application form (US)](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
5. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.

### Sources About Coalition

6. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
7. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
8. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
9. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16.
10. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
11. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?. 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. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-coalition/cyber.md)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)