At-Bay vs 
Corgi: How Do They Compare for Cyber Insurance?
Corgi's standard cyber is third-party only, with illustrative limits up to $1 million per claim, quoted online; At-Bay writes primary and excess cyber up to $10 million with optional security tiers.
Corgi sells a claims-made cyber policy that covers third-party network-security and privacy liability only, with illustrative limits up to $1 million per claim, and lets you quote online. At-Bay includes social engineering for all classes, Stance monitoring, and published appetite up to $10 million in limits. 5,1
What Are the Key Differences Between At-Bay and Corgi Cyber Insurance?
Third-Party-Only Base Form Versus Included Crime Covers
Corgi's standard policy covers third-party network security and privacy liability claims only; breach response, ransomware, business interruption and funds-transfer fraud are endorsements, and regulatory investigations are excluded unless added. At-Bay lists social engineering and invoice manipulation as included for all classes, plus contingent business interruption, cryptojacking and bricking at full limits, and cyber extortion including cryptocurrency payment. Choose Corgi if you want a named form you can quote online and will buy those endorsements; choose At-Bay if you want those crime covers and Stance in the base product. 5 1
Illustrative $1 Million Limits Versus a $10 Million Appetite
Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention, and defense costs sit inside the limit. At-Bay says it writes primary and excess cyber up to $10 million in limits for revenue up to $5 billion, with automated broker quotes only to $3 million. Corgi does not describe a security platform; At-Bay includes Stance and a breach-coach line. 5 1 4
What Should You Confirm in At-Bay and Corgi Cyber Insurance Quotes?
At-Bay vs Corgi Cyber Insurance Compared
At-Bay vs Corgi: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Corgi Cyber Liability |
|---|---|---|
| Limits and Retentions | At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. 1Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts. | 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. 5Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| How to Apply | You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | You can request a cyber quote online through Corgi. 5Company-reported. Product page quote call to action. |
| Coverage Features | At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. 1Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions. | 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. 5Company-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. 5Company-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. 5Company-reported. Scenario notes for form CORG-CY-0100. |
| Role in This Line | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. 6,5Company-reported. Homepage package contents and the cyber liability product page. |
| Issuing Insurer | The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. 1,3Company-reported. Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account. | 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. 5,7Company-reported. Cyber product page and Corgi disclaimers. |
