CFC vs Relm Insurance: How Do They Compare for Cyber Insurance?

CFC offers a one-page application with built-in response and monitoring; Relm Insurance sells cyber through brokers next to its tech E&O line.

Relm markets cyber liability next to Technology E&O and says the two are related but not the same coverage, sold through brokers. CFC sells Cyber Proactive Response as a named product with in-house 24/7 response for revenues from $0 to $250 million. ^6,¹

What Are the Key Differences Between CFC and Relm Insurance Cyber Insurance?

Cyber Kept Off Tech E&O Versus a Flagship Proactive Response Product

Relm markets cyber liability as a distinct line on the same page as Technology Errors and Omissions, explicitly noting the two are related but not the same coverage, and it sells through insurance brokers without a direct online quote. CFC sells Cyber Proactive Response as a flagship cyber product for $0 to $250 million in revenue, with built-in monitoring and CFC Response, not as a companion warning next to Tech E&O. Choose Relm if you want cyber kept distinct from Tech E&O through a broker; choose CFC if you want that named product with in-house response. ⁶ ¹

Untested Legal Terrain Versus Unlimited Reinstatements

Relm frames coverage around sectors with untested legal terrain and lagging regulation, and splits first-party own losses from third-party claims. CFC publishes crime cover, a 12-month interruption indemnity period and unlimited claim reinstatements rather than that legal-terrain framing. ⁶ ¹

Unnamed Relm Issuer Versus Unnamed CFC Paper

Relm's reviewed page does not name a specific issuing insurer. CFC's application names CFC Underwriting Limited as administrator only, so both still need the paper confirmed. ⁶ ⁴

What Should You Confirm in CFC and Relm Insurance Cyber Insurance Quotes?

Ask Relm which insurer would issue cyber and whether Tech E&O is a separate form. ⁶
Ask CFC which insurer sits behind the US policy. ⁴
If you need both cyber and Tech E&O, get both quoted as distinct coverages. ⁶
Ask CFC whether you would be quoted Proactive Response or Corporate cyber. ¹

CFC vs Relm Insurance Cyber Insurance Compared

CFC vs Relm Insurance: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	Relm Cyber Insurance
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.	Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' ⁶Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
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.	Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁶Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.
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.	Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. ⁶Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. ⁶Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
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.	Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. ⁶Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products.