What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 9,10,11
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 13,14
Key Differences in Cyber Insurance
CFC States a Revenue Segment and Specific Coverage Features
CFC positions Cyber Proactive Response for businesses with revenue from $0 to $250 million and lists crime cover, data recreation and a 12-month business-interruption indemnity period. Nationwide’s overview describes cyber and data-breach expenses without stating a revenue band or comparable interruption period. Businesses near CFC’s upper threshold should ask which CFC product applies; ask Nationwide’s agent for eligible revenue and the interruption wording before comparing quotes. 5 12
CFC Includes a 24/7 Response Service and Security App
CFC says policyholders receive its in-house CFC Response service around the clock, plus an app for dark-web monitoring, phishing simulations and external network scans. Nationwide’s reviewed product overview does not describe policyholder response or monitoring services. Ask Nationwide what assistance is available after a breach and whether it is included or separately contracted; with CFC, confirm service scope and any response-cost limits. 6 12
The Application Reveals Different Underwriting Detail
CFC’s one-page application asks about multifactor authentication, secured backups and incidents in the prior three years. Nationwide directs buyers to contact an agent or request a quote, without publishing equivalent intake questions. That gives a CFC applicant a clearer early view of the security information requested; ask Nationwide’s agent for its submission checklist before estimating the work involved. 8 12
What to Confirm in Cyber Insurance Quotes
- Ask CFC which product and maximum limit fit your revenue; ask Nationwide to provide its eligibility screen, business-interruption period and crime coverage wording. 5 12
- Compare the response service hours, incident-response costs, monitoring features, insurer and any service or policy sublimits. 6 12
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
CFC vs Nationwide: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Nationwide cyber (official overview) |
|---|---|---|
| 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. 5Company-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. | Nationwide describes offering cyber for the audience stated on the cited product page. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 8,4Not publicly disclosed. 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. | Confirm in your quote. |
| 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. 5Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting. | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 5Company-reported. Cyber product page Key features list for Cyber Proactive Response. | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 5Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 12Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 6,7Company-reported. 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. | Confirm in your quote. |
| 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. 8Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 7Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited. | Confirm in your quote. |
Full Comparison
More CFC vs Nationwide Comparisons
Other Cyber Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Cyber insurance | CFC. 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.
- Incident response | CFC. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
- Protecting businesses against cyber risk (cyber product brochure). 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.
- Cyber Proactive Response Insurance application form (US). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
Cyber Insurance Guide
- 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.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
