---
title: "CFC vs USI Insurance Services Cyber Insurance"
description: "CFC designs and names its own cyber product; USI negotiates a manuscripted PrivaSafe form with the market rather than underwriting coverage itself."
canonical: "https://spot.insure/compare/cfc-vs-usi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs USI Insurance Services Cyber Insurance

CFC designs and names its own cyber product; USI negotiates a manuscripted PrivaSafe form with the market rather than underwriting coverage itself.

## Research Scope and Use

Use this comparison to evaluate CFC and USI Insurance Services for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC designs and names Cyber Proactive Response as its own product, bundling incident response into the policy. USI instead negotiates PrivaSafe, a manuscripted cyber and privacy liability form, with outside insurers rather than underwriting the coverage. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [10](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [9](https://www.usi.com/about-usi "The Power of ONE") [10](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [11](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [14](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Designing a Product Versus Negotiating a Form

CFC designs and names its own cyber product, Cyber Proactive Response, pairing it with built-in monitoring and incident-response services. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") USI instead layers its own manuscripted coverage form, PrivaSafe, onto policies it negotiates with the market, rather than underwriting or designing a standalone named product itself.

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. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [10](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..)

### How Limits Are Framed

CFC publishes a maximum line size of $25 million, but only for its Corporate cyber tier reserved for businesses with $250 million or more in revenue. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") USI instead says PrivaSafe can prevent uninsured or underinsured losses up to $10 million and includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### Who Each Product Targets

CFC segments cyber eligibility by revenue across general business types. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") USI instead markets PrivaSafe to middle-market firms specifically, citing their limited in-house access to security expertise as a reason cyber exposure is harder for them to manage. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## What to Confirm in Cyber Insurance Quotes

- Ask USI which insurer would underwrite the PrivaSafe-enhanced policy, since the manuscripted form is negotiated with the market and no insurer is named on the reviewed page. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask CFC to confirm your eligible revenue tier and the underwriting insurer behind Cyber Proactive Response. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")
- Compare the $2 million notification-cost sublimit USI describes for PrivaSafe against whatever separate breach-response limit applies to a CFC policy. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")
- Ask USI what financial information or prior policies you need to provide to review your cyber exposure before it proposes PrivaSafe terms. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## Offering Details

| Criteria | CFC Cyber Proactive Response | USI PrivaSafe Cyber and Privacy Liability Program |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [10](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..) |
| Issuing Insurer | 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](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: 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..) | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Not publicly disclosed; scope: PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found..) |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page marketing description, not an underwriting appetite statement..) |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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). [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form..) |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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). [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..) |
| 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. [6](https://www.cfc.com/en-us/response/ "Incident response | CFC") [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: 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. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [13](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description..) |
| 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. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") (Evidence: Company-reported; scope: 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. [12](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) |
| 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. [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: Cyber brochure claims statistics; these are company-reported figures and were not independently audited..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [CFC vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/cfc-vs-usi/commercial-property)
- [CFC vs USI Insurance Services Crime Insurance](https://spot.insure/compare/cfc-vs-usi/crime)
- [CFC vs USI Insurance Services D&O Insurance](https://spot.insure/compare/cfc-vs-usi/directors-officers)
- [CFC vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-usi/employment-practices)
- [CFC vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/cfc-vs-usi/management-liability)
- [CFC vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-usi/professional-errors-omissions)
- [CFC vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-usi/representations-warranties)
- [Alliance Risk vs CFC Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/cyber)
- [Alliance Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-usi/cyber)
- [Amelia Risk vs CFC Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/cyber)
- [Amelia Risk vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-usi/cyber)
- [At-Bay vs CFC Cyber Insurance](https://spot.insure/compare/at-bay-vs-cfc/cyber)
- [At-Bay vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/at-bay-vs-usi/cyber)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.
5. [Cyber insurance | CFC](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess product summaries and Key features; FAQs: How is a cyber insurance policy structured?. Accessed 2026-09-23.
6. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
7. [Protecting businesses against cyber risk (cyber product brochure)](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf). CFC; Market-leading cover highlights: separate limit for incident response costs, unlimited reinstatements with nil deductible, full business interruption cover; Award-winning cyber claims team stats. Accessed 2026-09-23.
8. [Cyber Proactive Response Insurance application form (US)](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.

### USI Insurance Services

9. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
10. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23.
11. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
12. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy.... Accessed 2026-09-23.
13. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. Accessed 2026-09-23.

### Cyber Insurance Guide

14. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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