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

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

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

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

# 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 through specialists and argues breach-response costs can reach six figures; CFC publishes unlimited claim reinstatements and in-house 24/7 incident response on Cyber Proactive Response.

## CFC vs HUB International Cyber Insurance Summary

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

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber 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")

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

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber 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 HUB International Cyber Insurance Quotes?

- Ask HUB which insurer would issue the policy; the page names none. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")
- Ask CFC which insurer sits behind the US policy. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")
- Get limits from both; HUB publishes none and instead argues response costs can reach six figures. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")
- Ask HUB whether the 85% small-to-midsize claim statistic it cites changes the markets it would approach. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")

## CFC vs HUB International Cyber Insurance Compared

| 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. [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..) | 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. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [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..) | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [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..) | HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. [6](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |

## About CFC and HUB International and Cyber Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for CFC vs HUB International Cyber Insurance

- [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international): 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)
- [HUB International Cyber Insurance](https://spot.insure/insurance-providers/hub-international/cyber)

## Sources for CFC vs HUB International 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 HUB International

6. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Cybersecurity insurance definition; coverage list: privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines, class action lawsuits; breach-frequency and small-business-claims statistics; five-myths section; Connect With a Broker. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-hub-international/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)