CFC vs TechInsurance 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.

TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ¹¹Company-reported. Cyber liability product 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 liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. ¹¹Not publicly disclosed. Cyber liability product page as read on 2026-09-23.

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.

TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ¹¹Company-reported. Who needs cyber liability insurance section of the product page.

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.

TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ¹¹Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form.

TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ¹¹Company-reported. What isn't covered by cyber liability insurance section of the product page.

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.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ¹¹Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. ¹¹Not found in reviewed sources. Cyber liability product page as read on 2026-09-23.

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 request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ¹¹Company-reported. Cyber liability product page application and certificate sections.

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.

Not described in the reviewed sources.