CFC vs 
Gallagher: How Do They Compare for Cyber Insurance?
Gallagher Small Business arranges cyber for small firms with outside carriers; CFC sells built-in response and monitoring for businesses up to $250 million in revenue.
Gallagher Small Business arranges cyber with outside carriers, while its group practice adds eRiskHub and forensic-accountant claims support that the small-business desk does not. CFC includes CFC Response, an in-house 24/7 incident-response service, on every cyber policy up to $250 million in revenue. 7,2,3
What Are the Key Differences Between CFC and Gallagher Cyber Insurance?
Two Gallagher Desks Versus One Included Response Team
Gallagher Small Business arranges cyber with outside carriers for small businesses, while the group-level practice places coverage with its own risk-consulting services, eRiskHub access and a dedicated claims team that includes cyber forensic accountants. CFC does not split that way: every cyber policyholder gets CFC Response 24/7 plus a free monitoring app, on Cyber Proactive Response for $0 to $250 million in revenue. Choose Gallagher if you want a broker that can move you from a small-business desk to a group practice with eRiskHub; choose CFC if you want in-house response included on a named product. 6 7 2 1
Rate Commentary Versus Unlimited Reinstatements
Gallagher's small-business team says cyber rates are flat to down despite high-profile losses, and flags generative-AI-driven phishing and social-engineering risk. CFC instead publishes product features: crime cover, a 12-month interruption indemnity period and unlimited claim reinstatements. 6 1
Named Small-Business Classes Versus a Revenue Line
Gallagher recommends cyber for small businesses that handle customer data or accept card or electronic-funds-transfer payments, naming retail, healthcare, financial services and home-repair. CFC segments by revenue rather than those trade labels. 6 1
What Should You Confirm in CFC and Gallagher Cyber Insurance Quotes?
- Ask Gallagher whether you would sit with the small-business desk or the group cyber practice. 6 7
- Ask both which insurer would issue the policy; neither names one for a standard quote. 6 4
- If you need eRiskHub, confirm it attaches to your Gallagher placement. 7
- Ask CFC whether reinstatements apply at no deductible or one deductible. 1
CFC vs Gallagher Cyber Insurance Compared
CFC vs Gallagher: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Gallagher Cyber Liability 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. | Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. 6Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting. |
| 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. | Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. 6Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. 6Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business. |
| 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. | Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. 6,7Company-reported. Small-business cyber product page and the group-level cyber liability 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. 2,3Company-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. | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. 7Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product. |
