CFC vs 
Embroker: How Do They Compare for Cyber Insurance?
Embroker sells standalone cyber with a free risk-profile tool and a quote request in under 10 minutes; CFC offers built-in monitoring and a 24/7 response service for businesses up to $250 million.
Embroker sells a standalone cyber liability policy, warns that errors and omissions coverage cannot substitute for it, and says applicants can request a quote in under 10 minutes. CFC pairs Cyber Proactive Response with in-house 24/7 incident response for revenues from $0 to $250 million. 6,2,3
What Are the Key Differences Between CFC and Embroker Cyber Insurance?
Ten-Minute Standalone Quote Versus Built-In Incident Response
Embroker sells standalone cyber covering first-party and third-party losses, warns that E&O cannot substitute even with a technology error rider, and says you can request a quote in under 10 minutes after a free online risk-profile tool. CFC sells Cyber Proactive Response for $0 to $250 million in revenue and includes CFC Response, an in-house 24/7 incident-response service, on every cyber policy rather than a 10-minute self-serve bind. Choose Embroker if you want to start a standalone quote in minutes and keep cyber off your E&O; choose CFC if you want in-house response included and sit under $250 million. 6 1 2
Startup and Professional Audiences Versus a Revenue Split
Embroker markets cyber to startups and tech companies, financial institutions, professional services, SMEs, healthcare providers and law firms. CFC segments by revenue rather than those labels: Proactive Response below $250 million, Corporate cyber with a $25 million maximum line above it. 6 1
Breach-Response Cost List Versus Unlimited Reinstatements
Embroker says a breach response can include notification, credit monitoring, civil damages, forensics and reputational-damage costs such as PR. CFC includes crime cover, a 12-month interruption indemnity period, data recreation and unlimited claim reinstatements at no deductible or a single deductible at most. 6 1
What Should You Confirm in CFC and Embroker Cyber Insurance Quotes?
- Ask Embroker for limits and deductibles; the cyber page does not publish them. 6
- Ask CFC which insurer sits behind the US policy. 4
- If you already buy E&O from Embroker, confirm cyber is quoted as a separate policy. 6
- Ask CFC whether unlimited reinstatements apply at no deductible or one deductible. 1
CFC vs Embroker Cyber Insurance Compared
CFC vs Embroker: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Embroker Cyber Insurance |
|---|---|---|
| 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. 1Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting. | Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. 6Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business. |
| 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. 4Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. | Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. 6Company-reported. Product-page calls to action; no quote was requested during this research. |
| 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. 1Company-reported. Cyber product page Key features list for Cyber Proactive Response. | Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. 6Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. 6Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. 6Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). 6Company-reported. Product-page 'First-party coverage vs. third-party coverage' section. |
| 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. 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. | Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. 6Company-reported. Product-page description; not a statement about the issuing insurer for this line. |
