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

Resilience advertises limits up to $20 million and threat monitoring; CFC publishes a $25 million Corporate line size and includes a monitoring app in every policy.

Resilience names Homeland Insurance Company of New York or Delaware as US underwriter and advertises limits up to $20 million. CFC does not name a US issuer and publishes a $25 million maximum line on Corporate cyber. ^7,¹

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

Named Homeland Paper Versus CFC's Unpublished US Issuer

Resilience states that US cyber products are distributed by Ocrea Risk Services, LLC and underwritten by Homeland Insurance Company of New York or Delaware. CFC's Cyber Proactive Response application names only CFC Underwriting Limited as administrator and does not name a US issuing insurer. Choose Resilience if you want those named US entities and a published $20 million ceiling; choose CFC if you want Corporate cyber's $25 million maximum line or Proactive Response below $250 million. ⁷ ⁴ ¹

$20 Million and eCrime Versus a $25 Million Corporate Line

Resilience advertises cyber limits up to $20 million on a primary or excess basis, with a separate eCrime sublimit of up to $500,000, and lists coverage for incident costs that exceed the policy limit such as legal, forensics and crisis communications. CFC publishes a $25 million maximum line for Corporate cyber and does not state a dollar ceiling for Cyber Proactive Response. ⁶ ¹

Risk Operations Center Versus CFC Response

Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and AttackIQ breach-and-attack simulations, plus a dedicated claims manager through settlement. Every CFC cyber policyholder gets CFC Response 24/7 and a free monitoring app; CFC also reports a 99.4% cyber claims acceptance rate over a recent 12-month period. ⁶ ⁸ ² ¹

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

Ask Resilience whether Homeland of New York or Delaware would issue the policy. ⁷
Ask CFC which insurer sits behind the US policy. ⁴
Compare Resilience's $20 million ceiling with CFC Corporate cyber's $25 million maximum line if you are a large account. ⁶ ¹
Ask Resilience how costs that exceed the policy limit would actually pay. ⁶

CFC vs Resilience Cyber Insurance Compared

CFC vs Resilience: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	Resilience Cyber Insurance
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.	Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. ⁶Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific 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. ¹Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ⁶Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
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.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ⁶Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
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.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ⁶Company-reported. Cyber Insurance product page description of the combined offering, accessed 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. ^2,³Company-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.	Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. ⁶Company-reported. "The Resilience Advantage" section of the cyber product 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.	Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. ⁸Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified.