CFC vs Newfront Cyber Insurance

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.

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ¹³Company-reported. Cyber Risk offering page.

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.

The reviewed Cyber Risk page does not name the insurer or insurers that would issue a cyber policy placed through Newfront. ¹³Not publicly disclosed. Cyber Risk page as read on 2026-09-23; carrier depends on the specific placement.

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.

The Cyber Risk page does not state a company-size or industry eligibility threshold; it speaks generally about clients facing "evolving cyber risk and increased underwriting standards." ¹³Not publicly disclosed. Our Approach section; general framing, not a stated eligibility rule.

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.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ¹³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

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.

Newfront's cyber page does not publish limits or retentions. It says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's risk exposure and tolerance. ¹³Company-reported. Subject Matter Expertise section; describes an internal modeling service, not published limit figures.

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.

Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ¹³Company-reported. Subject Matter Expertise section of the cyber page.

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.

You start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ¹³Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.

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.

Newfront says it provides "hands-on" claims consultation for cyber breaches, including pre- and post-loss advocacy and resolution consultation to prepare clients on breach-response protocol before a claim. ¹³Company-reported. Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic.