Beazley 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; Beazley sells broker-bought Full Spectrum Cyber with limits up to $5 million and breach response.
Beazley's sample MediaTech form includes Breach Response Costs and Cyber Extortion Loss as base agreements. Corgi's standard cyber form covers third-party liability only, with breach response and ransomware sold as endorsements. 3,5
What Are the Key Differences Between Beazley and Corgi Cyber Insurance?
What You Get Before Adding Endorsements
Beazley's sample MediaTech cyber agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss, business interruption from a security breach or system failure, and eCrime losses. Corgi's standard form starts narrower: third-party network security and privacy liability only. Choose Beazley if you want first-party response and extortion on the base form; choose Corgi if you want an online-quoted third-party-only policy and will add endorsements you actually need. 3 5
Corgi's add-on structure is the turning point:
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.
How Each Bundles Cyber With Something Else
Beazley also sells cyber inside MediaTech alongside technology E&O, professional E&O and media liability. Corgi sells cyber standalone and inside startup packages beginning at pre-seed and seed. A Beazley MediaTech buyer needs to watch the shared aggregate; a Corgi package buyer needs to confirm which endorsements landed in the bundle. 2 6
Limits and the Path to a Quote
Full Spectrum Cyber caps at $5 million for accounts under $35 million in revenue and is bound by a broker on myBeazley. Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate with a $10,000 retention, and you can request a quote online. 1 5
What Should You Confirm in Beazley and Corgi Cyber Insurance Quotes?
- Ask Corgi which endorsements are on the quote; breach response, ransomware, business interruption and funds transfer fraud are each added separately. 5
- Ask Beazley whether cyber carries a dedicated limit or shares one aggregate with tech and media. 3
- Ask Corgi whether regulatory investigations can be added; the standard form excludes them. 5
- Get the issuing insurer from both; neither cyber product page names it clearly for every quote. 1 7
Beazley vs Corgi Cyber Insurance Compared
Beazley vs Corgi: Cyber Insurance: documented features by provider
| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Corgi Cyber Liability |
|---|---|---|
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. 3Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy. | 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 | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. 1,4Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal. | You can request a cyber quote online through Corgi. 5Company-reported. Product page quote call to action. |
| Coverage Features | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. 3Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording. | 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 | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 1,2Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately. | 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. |
