CFC Cyber – SME
CFC Cyber – SME is a cyber insurance product underwritten by CFC Europe (CFC Group (UK)), available in Italy. It is aimed at small and medium-sized businesses. Coverage limits reach up to Bespoke per risk; unlimited first-party reinstatements (new limit per claim).. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 7 bundled proactive services — Vulnerability scanning, Phishing simulation, Training & awareness and Threat intelligence, among others — 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 SME: purpose-built for small and medium businesses; 25+ years' experience; 150,000+ businesses in 90 countries.
- Unlimited reinstatements for first-party coverages — new limit per claim even after multiple incidents in same policy period.
- 12-month business interruption indemnity period — above-market standard.
- Nil deductible on initial incident response costs; separate IR limit (effectively two policy limits per claim).
- Comprehensive cybercrime cover: social engineering scams, invoice fraud, ransomware.
- Full cover for data recovery and recreation — restoring data plus re-creating applications.
- CFC Response app (free): real-time threat alerts, phishing simulations, dark web monitoring, deep scanning, 24/7 expert access.
- Proactive from policy inception: vulnerability scanning, threat intelligence (government + private feeds), threat hunting, proprietary claims data.
- Largest in-house IR team in market: 200+ security experts; 24/7/365 follow-the-sun; <15 min response time; 2,500+ events/year.
- No warranties or security conditions required.
- Awards: Cyber Insurer of the Year (Zywave); Cyber Claims Team of the Year (Zywave); 5-Star Excellence Award (Insurance Business); Best Customer App (Insurance Times).
Limitations
- Broker-only; not available direct.
- Purpose-built for SME; large corporate referred to dedicated underwriting team.
- Standard war and nation-state exclusions apply (LMA-aligned).
Contact & Response§ 03
Frequently asked questions§ 04
+Who is CFC Cyber – SME designed for?
CFC Cyber – SME by CFC Europe targets small and medium-sized businesses in Italy. Geographic scope: Global (75+ countries; offices in UK, USA, Australia)..
+What proactive security services are included with CFC Cyber – SME?
The policy bundles 7 proactive services: Vulnerability scanning, Phishing simulation, Training & awareness, Threat intelligence, MDR / EDR, Incident response and Risk platform / portal. These preventive services are typically included in the premium.
+Does CFC Cyber – SME 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 – SME in Italy?
CFC Cyber – SME is sold through insurance brokers — broker contact: https://www.cfc.com/en-gb/products/class/cyber-insurance/. Compare it with alternatives in Italy on Ryskly before approaching a broker.