---
title: "CFC vs Corgi Cyber Insurance"
description: "CFC bundles monitoring and incident response into its base policy for businesses up to $250 million; Corgi's startup form covers third-party claims only."
canonical: "https://spot.insure/compare/cfc-vs-corgi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cfc-vs-corgi/cyber)

# CFC vs Corgi Cyber Insurance

CFC bundles monitoring and incident response into its base policy for businesses up to $250 million; Corgi's startup form covers third-party claims only.

## Research Scope and Use

Use this comparison to evaluate CFC and Corgi for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CFC's Cyber Proactive Response includes security monitoring, incident response and claims handling in the base policy for businesses up to $250 million in revenue. Corgi's standard cyber form covers third-party claims only, selling breach response and ransomware separately. [6](https://www.cfc.com/en-us/response/ "Incident response | CFC") [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [9](https://www.corgi.insure/disclaimers "Disclaimers") [10](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [11](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [12](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [13](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [15](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### What the Base Policy Includes

CFC's flagship Cyber Proactive Response bundles built-in security monitoring, incident response and claims handling into the base policy for businesses with revenue up to $250 million [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC"), while Corgi's standard form pays only third-party network security and privacy liability claims:

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. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)

A Corgi quote without the breach response endorsement leaves your own forensics and notification costs unpaid, a cost CFC's base policy already includes. [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

### Who Each Policy Targets

CFC segments cyber eligibility by revenue, positioning Cyber Proactive Response for businesses from $0 to $250 million and a separate Corporate cyber product for larger companies. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") Corgi sells its cyber policy standalone or bundled into startup packages beginning at the pre-seed and seed stage. [10](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### How You Apply and What Limits Are Published

CFC's US application is a one-page form asking about multi-factor authentication, backup practices and cyber incidents in the last three years. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") Corgi shows illustrative limits of up to $1 million per claim with a $10,000 retention on its product page and takes quotes online. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What to Confirm in Cyber Insurance Quotes

- Ask Corgi which endorsements are on the quote — breach response, ransomware, business interruption and funds transfer fraud are each priced separately. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Ask CFC whether your business falls under Cyber Proactive Response or the Corporate cyber tier, since eligibility and limit structure differ by revenue. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")
- Get the issuing insurer from both: CFC's application names only the administering entity, and Corgi's page names a policy form but not the carrier. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [9](https://www.corgi.insure/disclaimers "Disclaimers")
- Compare retentions: Corgi discloses an illustrative $10,000 self-insured retention, while CFC's reviewed pages do not publish one for Cyber Proactive Response. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## Offering Details

| Criteria | CFC Cyber Proactive Response | Corgi Cyber Liability |
| --- | --- | --- |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [10](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Homepage package contents and the cyber liability product page..) |
| Issuing Insurer | The Cyber Proactive Response application form names only CFC Underwriting Limited, an entity authorized and regulated by the UK Financial Conduct Authority, as the party administering the form. Neither the cyber product page nor the application discloses which specific insurer or Lloyd's syndicate capacity sits behind a US Cyber Proactive Response policy. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: Application footer and the regulatory information page, both checked on 2026-09-23; CFC also operates Lloyd's Syndicate 1988 and CFC USA Inc.'s admitted and E&S licenses, but no page ties one of these specifically to Cyber Proactive Response..) | 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [9](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: Cyber product page and Corgi disclaimers..) |
| Who It’s For | CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: Cyber product page product summaries; actual eligibility for a given applicant depends on underwriting..) | Not described in the reviewed sources. |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)<br><br>Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..)<br><br>The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..) |
| 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. [5](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) |
| Risk Services | Every CFC cyber policyholder gets CFC Response, described as an in-house incident-response service available 24/7, plus a free mobile app offering dark web monitoring, phishing simulations and external network deep scanning. [6](https://www.cfc.com/en-us/response/ "Incident response | CFC") [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: Response page and cyber brochure; CFC characterizes its incident response team as one of the largest in-house teams in the industry, a claim not independently verified here..) | The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) |
| 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. [8](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") (Evidence: Company-reported; scope: Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents..) | You can request a cyber quote online through Corgi. [14](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) |
| Claims Support | CFC says its in-house cyber claims team resolves several thousand cyber claims a year and reports a 99.4% cyber claims acceptance rate over a recent 12-month period. [7](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: Cyber brochure claims statistics; these are company-reported figures and were not independently audited..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [CFC vs Corgi Crime Insurance](https://spot.insure/compare/cfc-vs-corgi/crime)
- [CFC vs Corgi D&O Insurance](https://spot.insure/compare/cfc-vs-corgi/directors-officers)
- [CFC vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/employment-practices)
- [CFC vs Corgi General Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/general-liability)
- [CFC vs Corgi Media Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/media)
- [CFC vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/cfc-vs-corgi/professional-errors-omissions)
- [CFC vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-corgi/representations-warranties)
- [CFC vs Corgi Tech E&O Insurance](https://spot.insure/compare/cfc-vs-corgi/technology-errors-omissions)
- [CFC vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-corgi/umbrella-excess)
- [Alliance Risk vs CFC Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/cyber)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Amelia Risk vs CFC Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/cyber)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [At-Bay vs CFC Cyber Insurance](https://spot.insure/compare/at-bay-vs-cfc/cyber)
- [At-Bay vs Corgi Cyber Insurance](https://spot.insure/compare/at-bay-vs-corgi/cyber)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.
5. [Cyber insurance | CFC](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess product summaries and Key features; FAQs: How is a cyber insurance policy structured?. Accessed 2026-09-23.
6. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
7. [Protecting businesses against cyber risk (cyber product brochure)](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf). CFC; Market-leading cover highlights: separate limit for incident response costs, unlimited reinstatements with nil deductible, full business interruption cover; Award-winning cyber claims team stats. Accessed 2026-09-23.
8. [Cyber Proactive Response Insurance application form (US)](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.

### Corgi

9. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
10. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
11. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
12. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
13. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
14. [Cyber Liability Insurance for Startups](https://www.corgi.insure/cyber-liability). Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.

### Cyber Insurance Guide

15. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-corgi/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)