CFC vs Heffernan Insurance Brokers: How Do They Compare for Cyber Insurance?

Heffernan Insurance Brokers shops carriers for healthcare, finance, retail and tech; CFC includes its own response service and monitoring app for businesses up to $250 million.

Heffernan maintains a cyber risk team that determines exposure, shops the market and guides coverage selection before a policy is bound. CFC sells Cyber Proactive Response as a named product with CFC Response included for revenues from $0 to $250 million. ^6,^2,³

What Are the Key Differences Between CFC and Heffernan Insurance Brokers Cyber Insurance?

Pre-Bind Market Shopping Versus Included Response on a Named Form

Heffernan says its cyber risk team determines a client's exposure, shops the market, presents options and guides coverage selection, arranging the policy with insurers rather than underwriting it. CFC sells Cyber Proactive Response for $0 to $250 million in revenue and includes CFC Response 24/7 on every cyber policy, so the response team is part of the product rather than a pre-bind shopping step. Choose Heffernan if you want a broker to assess exposure and compare carriers first; choose CFC if you want that named product with in-house response included. ⁶ ¹ ²

Any Data-Handling Business Versus a $250 Million Line

Heffernan says cyber is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology. CFC segments by revenue: Proactive Response below $250 million, Corporate cyber with a $25 million maximum line above it. ⁶ ¹

Market Premium Range Versus a One-Page Application

Heffernan's FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market, without policy limits. CFC's US application is a one-page control form and does not publish a premium range. ⁶ ⁴

What Should You Confirm in CFC and Heffernan Insurance Brokers Cyber Insurance Quotes?

Ask Heffernan which insurers it would approach and who issues the policy. ⁶
Ask CFC which insurer sits behind Cyber Proactive Response. ⁴
Treat Heffernan's few-hundred-to-thousands range as market color, not your premium. ⁶
Ask CFC whether reinstatements apply at no deductible or one deductible. ¹

CFC vs Heffernan Insurance Brokers Cyber Insurance Compared

CFC vs Heffernan Insurance Brokers: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	Heffernan Cyber Security Insurance Brokerage
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.	Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. ⁶Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite.
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.	Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ⁶Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.
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.	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ⁶Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.
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.	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ⁶Company-reported. Cyber Security Insurance page's description of the cyber risk team.
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.	Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ⁶Company-reported. Cyber Security Insurance page's services description.