CFC vs The Hartford: How Do They Compare for Cyber Insurance?

CFC offers a 12-month business interruption period and monitoring apps for businesses up to $250 million; The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, and reports about $320 a year on average for data breach coverage.

The Hartford sells cyber three ways, including a BOP endorsement, and reports customers pay about $320 a year on average for data breach coverage. CFC sells Cyber Proactive Response as a standalone named product with in-house 24/7 incident response for revenues from $0 to $250 million. ^6,¹

What Are the Key Differences Between CFC and The Hartford Cyber Insurance?

BOP Endorsement Paths Versus Standalone Proactive Response

The Hartford sells cyber as a Data Breach and Cyber Virus and Malware endorsement on a Business Owner's Policy, as stand-alone CyberChoice First Response for non-tech buyers, or as a more complex stand-alone product. CFC sells Cyber Proactive Response as a standalone flagship for $0 to $250 million in revenue, with CFC Response included, not as a BOP endorsement. Choose The Hartford if you want cyber added to a Hartford BOP or First Response; choose CFC if you want that named standalone product with in-house response. ⁶ ¹

Average $320 Data-Breach Price Versus Unlimited Reinstatements

The Hartford reports customers pay about $320 a year on average for data breach coverage, without publishing standard limits. CFC publishes unlimited claim reinstatements, a 12-month interruption indemnity period and a $25 million maximum line on Corporate cyber, without a typical premium. ⁶ ¹

FirstResponse Hotline Versus CFC Response

The Hartford gives 24/7 Cyber Center access and a FirstResponse hotline and email for active incidents. Every CFC cyber policyholder gets in-house CFC Response 24/7 plus a free monitoring app. ⁶ ²

What Should You Confirm in CFC and The Hartford Cyber Insurance Quotes?

Ask The Hartford whether the quote is a BOP endorsement, First Response, or the more complex standalone product. ⁶
Treat the $320 average as book-level, not your premium. ⁶
Ask CFC which insurer sits behind the US policy. ⁴
Get limits from both; The Hartford does not publish standard amounts. ⁶ ¹

CFC vs The Hartford Cyber Insurance Compared

CFC vs The Hartford: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	The Hartford 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.	The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. ⁶Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); 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.	The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. ⁶Company-reported. Cyber insurance product page as read 2026-09-23.
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.	The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ⁶Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ⁶Company-reported. Cyber insurance product page as read 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.	The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. ⁶Company-reported. Cyber insurance product page as read 2026-09-23.
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.	The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. ⁶Company-reported. Cyber insurance product page as read 2026-09-23.