Award-winning cyber insurance

CFC’s market-leading cyber insurance policies offer comprehensive cover, unrivalled cyber incident response and best-of-breed risk management technology.

Cyber insurance – sometimes referred to as cyber liability insurance – covers the business interruption exposures facing any business reliant on technology for its day-to-day operations, as well as the privacy risks posed by the storage of sensitive data, the very real and growing risk of cybercrime and the costs associated with cyber incident response.

We’ve invested heavily in creating the largest, global in-house cyber claims team brimming with cyber incident specialists on hand 24-7 to help you if crisis strikes.

We also operate an award-winning app – built by us and provided for free to every CFC cyber insurance policyholder – which alerts users of critical vulnerabilities specific to their business which our team has identified. The app also allows policyholders to turn on critical cyber risk management tools, like deep scanning and dark web monitoring, so that we can help them identify gaps in their security infrastructure before they become a problem.

CFC has over two decades’ experience providing cyber insurance to businesses around the globe. Today, we are the provider behind nearly a third of the world’s cyber insurance policies. Read more to find out why 60,000 business trust us with their cyber risk.

New to cyber insurance?
Award-winning cyber insurance

Cyber insurance can help protect your business against a range of cyber threats and exposures, including cybercrime, data breaches and system interruption.

Explore our cyber insurance products to learn more

Private enterprise

Private enterprise

Our award-winning cyber insurance policy for small and medium-sized businesses contains broad cover for technology-related risks. It is supported by our large, experienced team of incident responders and comes with free access to cybersecurity alerts through our app.

Key features

  • Market-leading incident response
  • Broad business interruption cover
  • Cover for cybercrime and data breaches
  • Free access to our mobile app

Large corporate

Built with global businesses in mind, this cyber insurance policy is designed to protect balance sheets against the impact of catastrophic system failures and major security breaches. Coverage includes affirmative management liability, failures in the technology supply chain and more.

Key features

  • Nil deductible for incident response
  • Senior officer liability for cyber events
  • Technology supply chain failure
  • Cover for operational IT risk

Cyber excess

Our cyber excess insurance policy provides extra peace of mind for businesses who want to top up the cover and limits of their primary cyber insurance policy. It includes full access to our cyber risk management services and extra protection for directors and officers, cybercrime and more.

Key features

  • Up to $10m of excess capacity
  • Auto reinstatement of the excess limit
  • Primary limit top up for cybercrime
  • Full access to risk management services

See how CFC’s cyber insurance solutions help thousands of businesses across a variety of industries.

From retail to logistics companies, every sector has its own unique cyber risk profile.


While the internet has opened up a world of possibilities for retailers, advances in technology mean that these businesses now top the list of industries vulnerable to cyber attacks.

Learn about how cyber insurance for retailers can help these businesses get back online quickly, take care of customers, and limit the reputational fallout of a cyber attack.

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Holding such sensitive data, healthcare providers have long been savvy about managing their privacy exposures. But these days, the need for cyber insurance extends beyond privacy alone.

Cyber insurance for healthcare providers gives these organisations access to vital resources following a cyber event or privacy breach and ultimately helps protect patients.

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Professional services

Technology has made it easier to deliver services as a professional, but operating so much online also means that cybercrime and other cyber events are now real issues for this industry.

Cyber insurance for professional services helps businesses recover important files lost in cyber events, guard against fraudulent payments, and limit the fallout of a data breach.

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Professional services


Nearly all manufacturing organisations have adopted technologies to improve business efficiency. But as more manufacturers are moving online, their business risks do too.

Cyber insurance for manufacturers can help these businesses get back online quickly, recover lost funds, and safeguard the supply chain following a cyber event.

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Construction firms rely heavily on technology for everything from record-keeping to supply chain management to payments, making them increasingly at risk of suffering a cyber event.

Cyber insurance for construction firms helps protect against cyber events affecting the supply chain, recover fraudulent wire transfers, and limit the fallout of a cyber event.

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Want to learn more about CFC’s cyber insurance solution?

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Meet the team

  • Elliot Everson
  • Cyber Underwriting Assistant
  • Will Dowling
  • Cyber Underwriting Assistant
  • Harry Waterkeyn
  • Cyber Underwriting Assistant

Technical expertise and real-world claims handling experience can make the difference between suffering a catastrophic loss or getting back online quickly.

When you buy a cyber policy from CFC, you get access to twenty years of cyber claims experience, the largest in-house incident response team in the market, and our award-winning cyber incident response mobile app.

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What is cyber insurance?

Cyber insurance (also known as cyber liability insurance or cyber security insurance) is designed to protect businesses against the financial loss resulting from a range of cyber threats and exposures, including cybercrime, data breaches and system interruption.

Cyber insurance is important because as businesses increasingly use technology to operate, the digital assets they hold - like important business data, corporate information and client records - are becoming more valuable and more vulnerable.

Cyber insurance primarily protects businesses against business interruption losses caused by cyber events, cybercrime, and privacy breaches.

Business interruption losses are most often caused by ransomware and targeted extortion attacks. These attacks are not only frequent but can be incredibly expensive. In recent years, the sophistication of these attacks has made it more difficult to recover files, which can lead to extended system downtime, loss of profits, and reputational harm.

Types of cybercrime that are covered under a cyber insurance policy range from Distributed Denial of Service (DDoS) attacks to corporate identity theft. Funds transfer fraud, however, is the most common type of cybercrime our claims team sees. This scam involves fraudsters stealing login credentials, accessing company systems, and rerouting wire transfer payments into fraudulent accounts.

Privacy breaches are also addressed under cyber insurance policies. If sensitive data is lost or stolen, businesses will need to notify affected individuals and regulators depending on their jurisdiction, in some cases provide follow up services like credit monitoring. 

In short, it depends. The price of cyber insurance varies according to business size and industry.

Certain industries are targeted more by cybercriminals due to the amount and type of data they hold, or simply because taking out their systems would render them inoperative. Those in the healthcare industry, for example, have a larger exposure due to the volume of records they hold. 

While it might vary depending on the business, cyber insurance has proven to be a very cost-effective way to transfer cyber risk. Sitting alongside good cybersecurity practices, cyber insurance can mean the difference between a quick recovery following a cyber event and a catastrophic or business-endangering loss.

Want to get a cyber insurance quote? If you're a business, contact your insurance broker. If you're a broker, reach out to our cyber underwriting team.

Any business that uses technology in order to operate – whether they store data online, make or receive wire transfer payments, or use software in their day-to-day operations – has a need for cyber insurance. 

It's fair to say that these days, this includes almost every business in every industry. 

Cyber insurance has a long reputation as a privacy liability product for businesses that hold sensitive data – but privacy exposure isn’t the only risk facing businesses today.

In fact, cybercriminals are increasingly targeting traditional industries that hold almost no sensitive data at all, whether through ransomware attacks that halt operations or business email compromise scams that result in wiring payments to fraudulent accounts.

Our cyber insurance policy contains a range of first party coverages – for losses that the policyholder experiences themselves – as well as third party coverages – for losses that a third party experiences but which the policyholder might be responsible for.

With nearly all cyber insurance claims stemming from financial losses experienced by the business directly – such as ransomware and funds transfer fraud – three of the main sections of our policy are for first party coverages.

These include:

  • Incident response, which picks up the costs associated with responding to a cyber incident such as forensic investigations and legal advice
  • System damage and business interruption, which helps keep businesses up and running by covering the costs of data being restored and reimbursing loss of profits caused by the downtime
  • Cybercrime, which covers the financial losses associated with a range of digital crimes like social engineering, extortion, cryptojacking and more.

Network security and privacy liability, our major third party insuring clause, covers things like the transmission of harmful malware to a third party’s systems or failing to prevent an individual’s data from being breached.

To find out more about the major sections of our cyber insurance policy, see our Anatomy of a Cyber Policy infographic or ask our team for more information.

CFC’s cyber insurance policy is supported by a range of risk management services including:

  • Phishing-focused employee training
  • Cyber risk awareness videos
  • Cyber risk rating reports
  • Dark web monitoring
  • Cyber incident response planning tools. 

Each of these is designed to either prevent, detect or respond to cyber events. 

In addition, our award-winning mobile app provides policyholders with proactive threat intelligence on the most critical cybersecurity risks pertaining specifically to their business, all delivered directly to their phone.

On the app, users can also access additional risk management tools like deep scanning, get cybersecurity advice 24/7 through the ‘Ask the Expert’ function, and get immediate assistance from our specialist team in the event of a cyber incident through instant claims notification.