CFC vs Corgi Cyber Insurance

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. ⁵Company-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.

Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^10,14Company-reported. Homepage package contents and the cyber liability product page.

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. ^8,4Not 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.

Corgi uses affiliated and partner insurers. The cyber product page names its policy form, CORG-CY-0100, but not the issuing insurer; your policy names it. ^14,9Company-reported. Cyber product page and Corgi disclaimers.

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. ⁵Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting.

Not described in the reviewed sources.

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. ⁵Company-reported. Cyber product page Key features list for Cyber Proactive Response.

The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. ¹⁴Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting.

Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. ¹⁴Company-reported. Scenario notes for form CORG-CY-0100.

The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. ¹⁴Company-reported. Scenario notes for form CORG-CY-0100.

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. ⁵Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations.

Corgi shows illustrative limits of up to $1 million per claim and $2 million in the aggregate, with a $10,000 self-insured retention per event. ¹⁴Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

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. ^6,7Company-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.

The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. ¹⁴Not found in reviewed sources. Cyber product page as read on 2026-09-23.

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. ⁸Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents.

You can request a cyber quote online through Corgi. ¹⁴Company-reported. Product page quote call to action.

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. ⁷Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited.

Not described in the reviewed sources.