CFC vs 
Marsh: How Do They Compare for Cyber Insurance?
Marsh offers advisor-led placement, with a Cyber ECHO excess facility providing over $200 million of capacity per client; CFC's Corporate product publishes a $25 million line size for businesses at $250 million and above.
Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement. CFC's Corporate cyber product, for revenues of $250 million or more, has a published maximum line size of $25 million. 7,1
What Are the Key Differences Between CFC and Marsh Cyber Insurance?
ECHO Excess Capacity Versus a $25 Million Corporate Line
Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. CFC's Corporate cyber product for revenues of $250 million or more has a published maximum line size of $25 million, while Cyber Proactive Response for smaller businesses does not state a dollar ceiling. Choose Marsh if you need excess capacity on that ECHO scale; choose CFC if you want Corporate cyber's $25 million line or Proactive Response below $250 million in revenue. 7 1
Claims Advocacy Versus an In-House Acceptance Rate
Marsh's global claims specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. CFC says its in-house cyber claims team resolves several thousand claims a year and reports a 99.4% cyber claims acceptance rate over a recent 12-month period. 8 1
Advisor-Led Design Versus a One-Page Control Form
You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led work rather than an online quote. CFC's US Cyber Proactive Response application is a one-page MFA and backup form. 6 4
What Should You Confirm in CFC and Marsh Cyber Insurance Quotes?
- Ask Marsh whether ECHO capacity and the free first reinstatement apply to your tower. 7
- Ask Marsh whether Lloyd's, company markets or Bermuda underwriting would sit on ECHO. 7
- Ask CFC whether you would be quoted Proactive Response or Corporate cyber. 1
- Treat CFC's 99.4% acceptance figure as company-reported, not a promise on your claim. 1
CFC vs Marsh Cyber Insurance Compared
CFC vs Marsh: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Marsh Cyber Insurance Brokerage |
|---|---|---|
| Limits and Retentions | For larger businesses, CFC's Corporate cyber product (for revenues of $250 million or more) has a published maximum line size of $25 million; the Cyber Proactive Response and Cyber (admitted) pages for smaller businesses do not publish a maximum dollar limit. 1Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations. | Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. 7Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit. |
| 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. | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. 9Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally. |
| 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. | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. 6,9Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders. |
| 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. | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. 9Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement. |
| 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. | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. 6Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. 9Company-reported. MMA cyber solutions page. |
| Claims Support | CFC says its in-house cyber claims team resolves several thousand cyber claims a year and reports a 99.4% cyber claims acceptance rate over a recent 12-month period. 3Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited. | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. 8Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified. |
