Coalition vs 
Corgi Cyber Insurance
Coalition’s cyber policy includes breach response and security monitoring; Corgi’s startup form covers lawsuits and sells response costs as add-ons.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
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. 11,12,13,14,15
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 17
Key Differences in Cyber Insurance
What the Base Policy Pays For
The biggest gap is what you get before adding anything. Coalition builds your own breach-response costs into the policy under a separate limit, while Corgi’s standard form only answers the lawsuits that follow a breach:
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. 16Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting.
So a Corgi quote without the Breach Response endorsement would leave forensics and notification costs to you, which Coalition’s policy covers from the start. 5 16
Ransomware, Fraud and Downtime
Both companies cover extortion, funds transfer fraud and business interruption, but Coalition lists them as part of the policy and Corgi prices each as its own add-on. Corgi also excludes regulatory investigations from its base form; Coalition’s public pages do not address regulatory cover either way. 5 16
Security Services and How You Buy
Coalition pairs the policy with its Control platform at no extra cost, and Corgi’s cyber page describes no comparable monitoring. The buying paths differ too: Coalition sells only through appointed brokers, while Corgi quotes online, alone or inside a startup package. 6 9 16 12
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 added separately. 16
- Ask Coalition for the breach-response limit and the main policy limit as separate numbers. 5
- Compare retentions and whether defense costs erode the limit. Corgi shows an illustrative $10,000 retention with defense inside the limit; Coalition does not publish its retentions. 16 10
- Get the issuing insurer from both. Coalition’s depends on admitted or surplus placement, and Corgi’s on the product and state. 7 11
Offering Details
Coalition vs Corgi Cyber Insurance: documented features by provider
| Criteria | Coalition Active Cyber Insurance | Corgi Cyber Liability |
|---|---|---|
| Role in This Line | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. 5Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page. | Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. 12,16Company-reported. Homepage package contents and the cyber liability product page. |
| Issuing Insurer | Admitted cyber policies are issued by Coalition Insurance Company. Non-admitted (surplus lines) policies are placed with unaffiliated insurers, so the carrier depends on the policy route. 7Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route. | 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. 16,11Company-reported. Cyber product page and Corgi disclaimers. |
| Who It’s For | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 8Company-reported. Availability help article; eligibility for a particular business depends on underwriting. | Not described in the reviewed sources. |
| Coverage Features | Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. 5Company-reported. Product-page description; the issued policy and declarations control. Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. 5Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued. | 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. 16Company-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. 16Company-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. 16Company-reported. Scenario notes for form CORG-CY-0100. |
| Limits and Retentions | Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. 10,5Company-reported. Excess product help article; limit and retention amounts appear only on quotes. | 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. 16Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| Risk Services | Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. 6Company-reported. Coalition Control policyholder features page. | The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. 16Not found in reviewed sources. Cyber product page as read on 2026-09-23. |
| How to Apply | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. 9Company-reported. Qualification help article; restates the verified provider fact broker-application. | You can request a cyber quote online through Corgi. 16Company-reported. Product page quote call to action. |
| Claims Support | Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. 5Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified. | Not described in the reviewed sources. |
Full Comparison
More Coalition vs Corgi Comparisons
Other Cyber Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
- Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; What excess products does Coalition offer, and in what regions? Accessed 2026-09-16.
Corgi
- Disclaimers. Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- Cyber Liability Insurance for Startups. 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
- 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.
