Amelia Risk vs Corgi Cyber Insurance

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ⁴Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^10,14Company-reported. Homepage package contents and the cyber liability product page.

The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. ⁴Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026.

Corgi uses affiliated and partner insurers. The cyber product page names its policy form, CORG-CY-0100, but not the issuing insurer; your policy names it. ^14,9Company-reported. Cyber product page and Corgi disclaimers.

Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ⁴Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

Not described in the reviewed sources.

Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ⁴Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations.

Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ⁴Company-reported. Cyber product page description as of 23 September 2026.

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. ¹⁴Company-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. ¹⁴Company-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. ¹⁴Company-reported. Scenario notes for form CORG-CY-0100.

Not described in the reviewed sources.

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. ¹⁴Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. ¹⁴Not found in reviewed sources. Cyber product page as read on 2026-09-23.

Not described in the reviewed sources.

You can request a cyber quote online through Corgi. ¹⁴Company-reported. Product page quote call to action.

The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific.

Not described in the reviewed sources.