🇬🇧 UK
CFC Underwriting Limited (CFC Group (UK))

CFC Cyber Excess

by CFC Underwriting Limited
B2BAMGANIS2Broker onlyWorldwideEnglish
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Last updated Apr 2026

Product Details§ 01

Max Insurance Limit
Up to US$/£/€5M any one risk (excess layer); automatic reinstatement included as standard.
Min Premium / Revenue
Excess layer pricing; no published minimum; requires in-force primary cyber policy.
Market Focus
All sizes; all industries; worldwide. Designed to supplement any primary cyber insurer.
Coverage
Cyber crime / FTF, Primary & excess
AM Best Rating
A (Excellent) – AM Best; AA- (Very Strong) – Fitch Ratings; A+ (Strong) – S&P; 100% backed by Lloyd's (as of 2025)
MGA / Direct
Yes – MGA.
Policy Language
English
NIS2 / DORA Support
NIS2 awareness advisory available; UK GDPR and ICO notification support.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Worldwide.
Broker Only
Yes

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

Customer Contact
JTracey@cfc.com / https://www.cfc.com/en-gb/contact/
24/7 Crisis Hotline
+44 (0)330 124 0012 (24/7/365) / CFC Response app (<15 min response)
Broker Contact
https://www.cfc.com/en-gb/products/class/cyber-insurance/