CFC vs 
HUB International: How Do They Compare for Cyber Insurance?
HUB International is a broker that cites breach statistics and describes no online quote; CFC sells its own policy with a one-page application and a 12-month business interruption period.
HUB brokers cyber rather than underwriting it, connects clients with specialists, and argues response costs after a breach can reach six figures. CFC includes unlimited claim reinstatements and CFC Response, an in-house 24/7 service, on Cyber Proactive Response for revenues up to $250 million. 6,1
What Are the Key Differences Between CFC and HUB International Cyber Insurance?
Specialist Brokerage Versus Unlimited Reinstatements on a Named Product
HUB brokers cyber, connects clients with cyber insurance specialists for a policy assessment, and cites response costs that can reach six figures to counter the idea that a breach is cheap. CFC sells Cyber Proactive Response for $0 to $250 million in revenue and publishes unlimited claim reinstatements at no deductible or a single deductible at most, plus in-house CFC Response. Choose HUB if you want a specialist broker to assess the policy; choose CFC if you want those published reinstatements and in-house response on a named product. 6 1 2
Privacy-Attorney Cost List Versus Crime Cover and Data Recreation
HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring, crisis PR, and regulatory fines among coverages it arranges. CFC lists crime cover, a 12-month interruption indemnity period and data recreation as Cyber Proactive Response features. 6 1
No Online Quote Versus a One-Page Application
HUB directs you to a broker or its cyber specialists; no online quote is described. CFC's US Cyber Proactive Response application is a one-page control form. 6 4
What Should You Confirm in CFC and HUB International Cyber Insurance Quotes?
- Ask HUB which insurer would issue the policy; the page names none. 6
- Ask CFC which insurer sits behind the US policy. 4
- Get limits from both; HUB publishes none and instead argues response costs can reach six figures. 6 1
- Ask HUB whether the 85% small-to-midsize claim statistic it cites changes the markets it would approach. 6
CFC vs HUB International Cyber Insurance Compared
CFC vs HUB International: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | HUB International Cyber 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. | HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. 6Company-reported. Product-page framing; not a published 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. | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. 6Company-reported. Product-page call to action as read 2026-09-23. |
| 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. | HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. 6Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. 6Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data. |
| 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. | HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. 6Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
