CFC vs 
Corgi: How Do They Compare for Cyber Insurance?
Corgi's standard cyber is third-party only and claims-made, with illustrative limits up to $1 million per claim; CFC includes crime cover, a 12-month business interruption period and unlimited reinstatements.
Corgi's standard form covers third-party network security and privacy claims only, with breach response, ransomware, interruption and funds-transfer fraud sold as endorsements. CFC includes crime cover, a 12-month interruption indemnity period and unlimited reinstatements in Cyber Proactive Response. 6,1
What Are the Key Differences Between CFC and Corgi Cyber Insurance?
Third-Party-Only Base Form Versus Built-In First-Party Features
Corgi's 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, and regulatory investigations are excluded unless added. CFC builds crime cover, a 12-month business-interruption indemnity period, data recreation and unlimited claim reinstatements into Cyber Proactive Response rather than selling those as optional endorsements. Choose Corgi if you want a startup package that starts third-party-only and you will add endorsements; choose CFC if you want those first-party features in the base product up to $250 million in revenue. 6 1
Illustrative $1 Million Limits Versus a $25 Million Corporate Line
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. CFC does not publish a dollar ceiling for Cyber Proactive Response, but Corporate cyber for $250 million and above has a published $25 million maximum line. 6 1
Online Quote Versus a One-Page Control Form
You can request a Corgi cyber quote online. CFC's US Cyber Proactive Response application is a one-page form asking about multi-factor authentication for remote access and email, offline or MFA-secured backups, and related controls. 6 4
What Should You Confirm in CFC and Corgi Cyber Insurance Quotes?
- Ask Corgi which endorsements are on the quote and whether regulatory coverage is added. 6
- Ask Corgi which affiliated or partner insurer would issue CORG-CY-0100. 6
- Ask CFC which insurer sits behind Cyber Proactive Response. 4
- Confirm Corgi's $1 million / $2 million figures are the quoted limits, not illustrations. 6
CFC vs Corgi Cyber Insurance Compared
CFC vs Corgi: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Corgi Cyber Liability |
|---|---|---|
| Limits and Retentions | For larger businesses, CFC's Corporate cyber product (for revenues of $250 million or more) has a published maximum line size of $25 million; the Cyber Proactive Response and Cyber (admitted) pages for smaller businesses do not publish a maximum dollar limit. 1Company-reported. Cyber product page Corporate cyber Key features; limit for any individual policy appears on its declarations. | 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. 6Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| How to Apply | The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. 4Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. | You can request a cyber quote online through Corgi. 6Company-reported. Product page quote call to action. |
| Coverage Features | Cyber Proactive Response includes crime cover, a 12-month indemnity period for business interruption, and data recreation cover, with unlimited claim reinstatements available at either no deductible or a single deductible at most. 1Company-reported. Cyber product page Key features list for Cyber Proactive Response. | 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. 6Company-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. 6Company-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. 6Company-reported. Scenario notes for form CORG-CY-0100. |
| Role in This Line | CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. 1Company-reported. Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess policy. | Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. 7,6Company-reported. Homepage package contents and the cyber liability product page. |
