---
title: "CFC vs Heffernan Insurance Brokers: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-heffernan/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-heffernan"
provider-a: "cfc"
provider-b: "heffernan"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Cyber Insurance. Providers: CFC and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/cfc-vs-heffernan) — 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
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# 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 assesses cyber exposure and shops carriers before a policy is bound; CFC sells Cyber Proactive Response as a bindable product with in-house 24/7 incident response already included.

## CFC vs Heffernan Insurance Brokers Cyber Insurance Summary

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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [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)")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") [2](https://www.cfc.com/en-us/response/ "Incident response | CFC")

### 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask CFC which insurer sits behind Cyber Proactive Response. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")
- Treat Heffernan's few-hundred-to-thousands range as market color, not your premium. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask CFC whether reinstatements apply at no deductible or one deductible. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## CFC vs Heffernan Insurance Brokers Cyber Insurance Compared

| 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. [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..) | 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. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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](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..) | 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. [6](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's services description..) |

## About CFC and Heffernan Insurance Brokers and Cyber Insurance

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

## Related Pages for CFC vs Heffernan Insurance Brokers Cyber Insurance

- [CFC vs Heffernan Insurance Brokers](https://spot.insure/compare/cfc-vs-heffernan): 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)
- [Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/insurance-providers/heffernan/cyber)

## Sources for CFC vs Heffernan Insurance Brokers 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 Heffernan Insurance Brokers

6. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.

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.

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- [Markdown page](https://spot.insure/compare/cfc-vs-heffernan/cyber.md)
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