Hartford CyberChoice First Response℠
Hartford CyberChoice First Response℠ is a cyber insurance product underwritten by Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc. (USA)), available in USA. It is aimed at mid-market companies and large enterprises. Coverage limits reach up to Up to $5M (primary; admitted).. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 8 bundled proactive services — Phishing simulation, Training & awareness, Risk assessment and Incident response, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- The Hartford: one of the largest US commercial property and casualty insurers; A+ (Superior) AM Best; 200+ years' history; specialized and dedicated CyberTech Open Brokerage team.
- Appetite for businesses with revenue up to $1B; capacity up to $5M for primary and excess liability.
- Affirmative cyberterrorism coverage included across all products; affirmative allocation provision; worldwide coverage territory.
- Broad industry appetite: construction, manufacturing, professional services, retail, entertainment, financial institutions, hospitality, transportation, wholesale trade.
- Coverage (all products): data breach third-party liability (defense and damages, fines and penalties, PCI fines), cyber first-party (data breach response expense — breach coach, forensic investigation, notification, credit monitoring, PR consultant, data restoration; BI and dependent BI; system failure and dependent system failure; ransomware and extortion negotiation and payment; cyber crime).
- CyberChoice First Response: admitted standalone cyber product; retail distribution; primary capacity up to $5M.
- Admitted in 47 states and District of Columbia (all states except Alaska, Louisiana, Vermont).
- Pre-claim investigation and prevention assistance; FirstResponse Hotline 800-370-0605 / FirstResponse@thehartford.com.
- Revenue appetite: up to $250M (reduced from prior $1B — First Response is the admitted SME product).
Limitations
- Admitted product; available in 47 states + DC only (excludes AK, LA, VT).
- Revenue up to $250M (SME and mid-market).
- Retail distribution only (not wholesale/open brokerage).
- Primary capacity only; no excess placements for this product.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Hartford CyberChoice First Response℠ designed for?
Hartford CyberChoice First Response℠ by Hartford Fire Insurance Company targets mid-market companies and large enterprises in USA. Geographic scope: Global..
+What proactive security services are included with Hartford CyberChoice First Response℠?
The policy bundles 8 proactive services: Phishing simulation, Training & awareness, Risk assessment, Incident response, Risk platform / portal, Pre-breach advisory, Crisis management and 3rd party risk assessment. These preventive services are typically included in the premium.
+Does Hartford CyberChoice First Response℠ help with NIS2 or DORA compliance?
Hartford Fire Insurance Company indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Hartford CyberChoice First Response℠ in USA?
Hartford CyberChoice First Response℠ is sold through insurance brokers — broker contact: https://www.thehartford.com/commercial-insurance-agents. Compare it with alternatives in USA on Ryskly before approaching a broker.