Chubb vs Corgi Cyber Insurance

Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. ³Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section.

Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^6,10Company-reported. Homepage package contents and the cyber liability product page.

The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. ^4,3Not found in reviewed sources. Both cyber pages as read on 2026-09-23.

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. ^10,5Company-reported. Cyber product page and Corgi disclaimers.

Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. ³Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description.

Not described in the reviewed sources.

Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. ³Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued.

Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. ³Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting.

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. ¹⁰Company-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. ¹⁰Company-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. ¹⁰Company-reported. Scenario notes for form CORG-CY-0100.

The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. ³Not found in reviewed sources. Cyber Insurance Coverage & Products page as read on 2026-09-23.

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. ¹⁰Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. ⁴Company-reported. Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections.

The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. ¹⁰Not found in reviewed sources. Cyber product page as read on 2026-09-23.

Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. ³Company-reported. Cyber Insurance Coverage & Products page quoting section.

You can request a cyber quote online through Corgi. ¹⁰Company-reported. Product page quote call to action.

Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. ⁴Company-reported. Cyber Insurance for Businesses page; claims scenarios and report are company-reported.

Not described in the reviewed sources.