CFC Cyber Excess
CFC Cyber Excess is a cyber insurance product underwritten by CFC Europe (CFC Group (UK)), available in Germany. It is aimed at small and medium-sized businesses, mid-market companies, large enterprises and multinational groups. Coverage limits reach up to Up to US$/£/€5M any one risk (excess layer); automatic reinstatement included as standard.. The policy extends beyond standard cyber liability with Cyber crime / FTF and Primary & excess. Policyholders get 1 bundled proactive service — Incident response — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A (Excellent) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- CFC Cyber Excess: standalone excess cyber capacity designed to top up any primary cyber policy; worldwide.
- Up to US$/£/€5M excess capacity with automatic reinstatement as standard — protection against multiple cyber events in one policy period.
- Optional primary policy top-up coverages: Side A D&O carve-back (for cyber events excluded by in-force D&O); theft of funds up to US$/£/€1M for senior executive officers; cybercrime top-up for wire transfer fraud.
- CFC Response included: complimentary protection from award-winning in-house cyber security and incident response team.
- Follows primary policy terms; designed to work with any primary cyber insurer.
- Broad market appetite: healthcare, retail, education, professional services, public entities, energy, transportation, logistics, financial services.
- Automatic reinstatement: limit automatically reinstates after a loss — critical protection against serial cyber events.
- No warranties or security conditions required.
Limitations
- Excess layer only — sits above existing primary cyber policy.
- Capacity up to US$/£/€5M; primary policy required.
- Theft of funds sub-limit: up to US$/£/€1M for senior executive officers.
- Standard war and nation-state exclusions apply (LMA-aligned).
Contact & Response§ 03
Frequently asked questions§ 04
+Who is CFC Cyber Excess designed for?
CFC Cyber Excess by CFC Europe targets small and medium-sized businesses, mid-market companies, large enterprises and multinational groups in Germany. Geographic scope: Global..
+What proactive security services are included with CFC Cyber Excess?
The policy bundles 1 proactive service: Incident response. These preventive services are typically included in the premium.
+Does CFC Cyber Excess help with NIS2 or DORA compliance?
CFC Europe indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy CFC Cyber Excess in Germany?
CFC Cyber Excess is sold through insurance brokers — broker contact: https://www.cfc.com/en-gb/products/class/cyber-insurance/. Compare it with alternatives in Germany on Ryskly before approaching a broker.