CFC (US) (CFC Group (UK))
CFC Cyber – SME
by CFC (US)
B2BAMGA—Broker onlyGlobal (75+ countries; US offices Austin TX, New York, San Francisco)English
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Bespoke per risk; unlimited first-party reinstatements (new limit per claim).
Min Premium / Revenue
No published minimum premium; SME pricing bespoke per risk.
Market Focus
SME; all industries including healthcare, retail, education, financial services, energy, logistics, public sector.
Coverage
Cyber crime / FTF
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
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global (75+ countries; US offices Austin TX, New York, San Francisco).
Broker Only
Yes
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
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)