CFC vs 
Zurich U.S.: How Do They Compare for Cyber Insurance?
What Is CFC Insurance?
CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. 1,2,3,4
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 9,10
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 12,13
Key Differences in Cyber Insurance
Included response and monitoring
CFC says every Cyber Proactive Response policy includes its 24/7 in-house CFC Response service and a mobile app with dark-web monitoring, phishing simulations and external network scanning. Zurich directs policyholders to incident-response resources and offers complimentary onboarding, but the reviewed description does not detail comparable monitoring. Ask which services are included in the selected Zurich policy and who coordinates response. 5 11
Revenue segment and product choice
CFC positions Cyber Proactive Response for businesses with revenue from zero to $250 million and Corporate cyber for businesses at $250 million and above. Zurich offers a Concierge Suite for small or midsize companies and a separate policy for large or global companies. Ask each provider which product fits your revenue and whether subsidiaries or foreign operations change eligibility. 5 11
Application questions and policy layers
CFC’s one-page application asks about MFA for remote access and email, secured backups and cyber incidents in the prior three years. Zurich says it can write primary and excess coverage. Buyers should provide the controls CFC asks for and, for either quote, clarify whether the proposal is primary, excess or part of a wider tower. 8 11
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CFC
Review Score
No reviews found
The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.[4][11]
Read CFC reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
CFC vs Zurich U.S.: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Zurich Cyber Insurance |
|---|---|---|
| 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. 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. | Confirm in your quote. |
| 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. 8,4Not 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. | Confirm in your 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. 5Company-reported. Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting. | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. 11Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 5Company-reported. Cyber product page Key features list for Cyber Proactive Response. | Zurich says it can write cyber policies on both primary and excess bases. 11Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 5Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations. | Confirm in your quote. |
| 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. 6,7Company-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. | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. 11Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 8Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. | Confirm in your quote. |
| 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. 7Company-reported. Cyber brochure claims statistics; these are company-reported figures and were not independently audited. | Confirm in your quote. |
Full Comparison
More CFC vs Zurich U.S. Comparisons
Other Cyber Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc. Accessed 2026-09-23.
- Cyber insurance | CFC. 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.
- Incident response | CFC. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
- Protecting businesses against cyber risk (cyber product brochure). 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.
- Cyber Proactive Response Insurance application form (US). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
Cyber Insurance Guide
- 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.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
