---
title: "CFC vs Mylo Cyber Insurance"
description: "CFC sells cyber only as its own dedicated product; Mylo says cyber can often be added to a Business Owner's Policy depending on the carrier."
canonical: "https://spot.insure/compare/cfc-vs-mylo/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Mylo Cyber Insurance

CFC sells cyber only as its own dedicated product; Mylo says cyber can often be added to a Business Owner's Policy depending on the carrier.

## Research Scope and Use

Use this comparison to evaluate CFC and Mylo for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC offers cyber only through its own named products, segmented by revenue. Mylo instead brokers cyber coverage that can often be added to a Business Owner's Policy alongside general liability and property, depending on the carrier. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [9](https://choosemylo.com/business/business-insurance "Small Business Insurance") [10](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Standalone Product Versus a Packaging Option

CFC's cyber line is its own dedicated product, Cyber Proactive Response, sold and segmented by revenue rather than folded into another policy. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") Mylo instead says cyber coverage can often be added to a Business Owner's Policy depending on the carrier, packaging it alongside general liability, property and business interruption.

Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section..)

### How Threats Are Described

CFC's cyber page describes what the policy pays for — crime cover, business-interruption indemnity and data recreation — as policy features. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") Mylo instead frames coverage around named threats it protects against: hacking and spear-phishing attacks, employee or partner data errors, and malware or ransomware. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")

### Who Names the Insurer

Neither company's reviewed cyber pages name a specific insurer: CFC's application names only the administering entity, and Mylo's product page does not identify which carrier would issue a given business's policy. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask Mylo whether cyber would be bundled into a BOP for your business or sold as a standalone policy, since packaging depends on the carrier. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")
- Ask CFC to confirm which revenue tier applies to your business and the underwriting insurer behind it. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")
- Request specific limit and retention figures from both; neither discloses them on the reviewed pages. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")
- Confirm whether bundling cyber into a BOP changes the sublimits available compared with a standalone policy like CFC's. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance")

## Offering Details

| Criteria | CFC Cyber Proactive Response | Mylo Cyber Insurance |
| --- | --- | --- |
| 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. [5](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..) | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page..) |
| Issuing Insurer | The Cyber Proactive Response application form names only CFC Underwriting Limited, an entity authorized and regulated by the UK Financial Conduct Authority, as the party administering the form. Neither the cyber product page nor the application discloses which specific insurer or Lloyd's syndicate capacity sits behind a US Cyber Proactive Response policy. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Application footer and the regulatory information page, both checked on 2026-09-23; CFC also operates Lloyd's Syndicate 1988 and CFC USA Inc.'s admitted and E&S licenses, but no page ties one of these specifically to Cyber Proactive Response..) | The cyber insurance product page does not name the insurer that would issue a given business's policy. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Checked the cyber insurance product page on 2026-09-23..) |
| 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. [5](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..) | Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page; a company-reported statistic, not independently verified..) |
| 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. [5](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..) | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page; the issued policy and its exclusions control..)<br><br>Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page..)<br><br>Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section..) |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations..) | The cyber insurance product page does not publish specific coverage limits, retentions or premium ranges. [11](https://choosemylo.com/business/product-cyber "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Checked the cyber insurance product page on 2026-09-23..) |
| 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. [6](https://www.cfc.com/en-us/response/ "Incident response | CFC") [7](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..) | Not described in the reviewed sources. |
| 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. [8](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..) | Not described in the reviewed sources. |
| 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. [7](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: Cyber brochure claims statistics; these are company-reported figures and were not independently audited..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [CFC vs Mylo General Liability Insurance](https://spot.insure/compare/cfc-vs-mylo/general-liability)
- [CFC vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-mylo/professional-errors-omissions)
- [CFC vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-mylo/umbrella-excess)
- [Alliance Risk vs CFC Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/cyber)
- [Alliance Risk vs Mylo Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/cyber)
- [Amelia Risk vs CFC Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/cyber)
- [Amelia Risk vs Mylo Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/cyber)
- [At-Bay vs CFC Cyber Insurance](https://spot.insure/compare/at-bay-vs-cfc/cyber)
- [At-Bay vs Mylo Cyber Insurance](https://spot.insure/compare/at-bay-vs-mylo/cyber)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [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.
5. [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.
6. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
7. [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.
8. [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.

### Mylo

9. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
10. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
11. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Back up your great reputation with cyber insurance; Do you take credit cards or store customer info? (hacking, data errors/misuse, malware/ransomware); What does cyber insurance do for business owners? (non-legal and legal/regulatory costs); Add cyber to your Business Owner's Policy (BOP); Cyber insurance FAQs. Accessed 2026-09-23.

### Cyber Insurance Guide

12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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-mylo/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)