Alliance Risk vs Corgi: How Do They Compare for Cyber Insurance?

Corgi's standard cyber is third-party only and claims-made, quoted online with illustrative limits up to $1 million per claim; Alliance Risk arranges broader first- and third-party programs through advisors.

Corgi's base cyber policy pays third-party network-security and privacy claims; breach response, ransomware, interruption and regulatory investigations need endorsements. Alliance Risk describes first-party, third-party and regulatory-fine cover in one program. ^3,¹

What Are the Key Differences Between Alliance Risk and Corgi Cyber Insurance?

What the Base Policy Actually Pays

Corgi's standard form covers third-party network security and privacy liability only; breach response, ransomware, business interruption, funds-transfer fraud and regulatory investigations are sold as endorsements, and defense costs sit inside the limit. Alliance Risk describes programs that combine first-party costs (recovery, interruption, notification, forensics, extortion) with third-party defense, settlements, PCI-DSS assessments and fines from authorities such as the FTC, HIPAA enforcers or GDPR enforcers. Choose Corgi if you want a cheap third-party-only starting point and will price the endorsements; choose Alliance Risk if you want an advisor to place a program that already describes those first-party and regulatory pieces together. ³ ¹

Online Quote With Published Numbers Versus an Advisor

You can request a Corgi cyber quote online, standalone or inside a startup package, with illustrative limits of up to $1 million per claim and $2 million aggregate and a $10,000 self-insured retention. Alliance Risk starts with a quote request or risk-assessment booking and publishes recommended limits by profile rather than a bindable online number. Corgi's figures are illustrations, not your quote; Alliance's table is guidance, not a guaranteed limit. ³ ¹

What Should You Confirm in Alliance Risk and Corgi Cyber Insurance Quotes?

Ask Corgi to list and price every endorsement you need, including regulatory coverage where it is legally insurable. ³
Ask Alliance Risk to identify the insurer and show first-party, third-party and regulatory terms on the proposed form. ¹
Compare Corgi's $10,000 retention and inside-the-limit defense with Alliance's proposed retention and defense treatment. ³

Alliance Risk vs Corgi Cyber Insurance Compared

Alliance Risk vs Corgi: Cyber Insurance: documented features by provider

Criteria	Alliance Risk Cyber Liability Insurance	Corgi Cyber Liability
Limits and Retentions	Alliance Risk's cyber page says most small businesses buy $1 million per-occurrence and $1 million aggregate limits with roughly $2,500 deductibles, and it publishes a recommended-limit table by business profile, ranging from $500,000-$1 million for sole proprietors to $5 million or more for healthcare and finance companies. These are general guidance, not a quoted limit for a specific business. ¹Company-reported. Cyber product page, How Much Cyber Insurance Do You Need? section.	Corgi shows illustrative limits of up to $1 million per claim and $2 million in the aggregate, with a $10,000 self-insured retention per event. ³Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
How to Apply	You request a cyber quote or book a risk assessment with an Alliance Risk advisor through the calls to action on the cyber product page; the page does not list specific underwriting information required for a cyber submission. ¹Company-reported. Cyber product page quote and consultation calls to action.	You can request a cyber quote online through Corgi. ³Company-reported. Product page quote call to action.
Coverage Features	Alliance Risk's cyber offering combines first-party coverage (data recovery, business interruption, breach notification, credit monitoring, forensic investigation, crisis management and cyber extortion or ransomware payments) with third-party coverage (legal defense, settlements and judgments, regulatory fines and penalties, PCI-DSS assessments, and media liability). ¹Company-reported. Cyber product page, First-Party vs. Third-Party Cyber Coverage section; actual policy structure depends on the carrier and the policy as issued. Alliance Risk says its cyber programs include coverage for legal expenses and fines imposed by data protection authorities such as the FTC, HIPAA enforcers or GDPR enforcers. ¹Company-reported. Cyber product page, The Alliance Risk Difference section.	The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. ³Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting. Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. ³Company-reported. Scenario notes for form CORG-CY-0100. The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. ³Company-reported. Scenario notes for form CORG-CY-0100.
Role in This Line	Alliance Risk designs cyber programs backed by breach response planning, forensic support and advisory, as a brokerage that arranges placement rather than underwriting the policy itself. ^1,²Company-reported. Cyber product page, opening section, and the general brokerage disclosure on the coverage catalogue page.	Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^4,³Company-reported. Homepage package contents and the cyber liability product page.