CFC vs USI Insurance Services: How Do They Compare for Cyber Insurance?

CFC publishes a $25 million line size for its Corporate product; USI Insurance Services is a broker offering PrivaSafe to middle-market firms, with up to $2 million of notification-cost coverage on top of the aggregate limit.

USI brokers cyber and layers PrivaSafe, which can add up to $2 million in notification-cost coverage outside the policy aggregate. CFC includes unlimited claim reinstatements in Cyber Proactive Response and publishes a $25 million maximum line on Corporate cyber. ^6,¹

What Are the Key Differences Between CFC and USI Insurance Services Cyber Insurance?

Notification Costs Outside the Aggregate Versus Unlimited Reinstatements

USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage. CFC includes unlimited claim reinstatements in Cyber Proactive Response at no deductible or a single deductible at most, without describing notification costs sitting outside the aggregate. Choose USI if those published extras outside the aggregate matter for a middle-market placement; choose CFC if you want unlimited reinstatements on a named product up to $250 million in revenue. ⁶ ¹

Middle-Market Manuscript Versus In-House CFC Response

USI markets PrivaSafe to middle-market firms it says have limited in-house security expertise, and layers pre-breach and post-breach services on top of a brokered policy. Every CFC cyber policyholder gets in-house CFC Response 24/7 plus a free monitoring app. ⁶ ²

Financials Checklist Versus a One-Page Control Form

USI asks you to bring current cyber policies, an assessment of largest cyber vulnerabilities and recent audited financials. CFC's US application is a one-page MFA and backup form. ⁶ ⁴

What Should You Confirm in CFC and USI Insurance Services Cyber Insurance Quotes?

Ask USI whether the $10 million, $2 million notification and $250,000 defense figures appear on your quote. ⁶
Ask USI which insurer would issue PrivaSafe. ⁶
Ask CFC which insurer sits behind the US policy. ⁴
If you are above $250 million in revenue, compare PrivaSafe with CFC Corporate cyber. ⁶ ¹

CFC vs USI Insurance Services Cyber Insurance Compared

CFC vs USI Insurance Services: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	USI PrivaSafe Cyber and Privacy Liability Program
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.	USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). ⁶Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations.
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.	USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. ⁶Company-reported. Program page marketing description, not an underwriting appetite statement.
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.	To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. ⁶Company-reported. PrivaSafe program page intake description.
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.	USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). ⁶Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form.
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.	USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. ^6,⁷Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages.
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.	USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. ^6,⁸Company-reported. Program page and property-casualty practice team description.