Coalition 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 and an online quote; Coalition lists first-party extortion, funds transfer fraud and business interruption cover, bought through brokers.

Coalition includes breach-response costs under a separate limit and pairs the policy with free Control monitoring. Corgi's standard form covers third-party network and privacy claims only, with response and ransomware sold as endorsements. ^1,⁷

What Are the Key Differences Between Coalition and Corgi Cyber Insurance?

What the Base Form Pays For

Corgi illustrates up to $1 million per claim and $2 million aggregate with a $10,000 retention, but breach response, ransomware, business interruption, and funds-transfer fraud each need an endorsement. Coalition puts breach-response expenses on a separate limit so those costs do not eat the rest of the policy. A Corgi quote without those endorsements leaves forensics and notification to you. Choose Corgi if you want an online startup policy and will add the first-party endorsements you need; choose Coalition if you want response costs inside the base form from day one. ⁷ ¹

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. ⁷Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting.

Monitoring and How You Buy

Coalition includes Control at no extra cost: attack-surface monitoring, vendor risk checks, zero-day alerts, and Login Security. Corgi's cyber page describes no comparable monitoring. You buy Coalition only through an appointed broker; Corgi lets you request a quote online, alone or inside a startup package. ² ⁵ ⁷

What Should You Confirm in Coalition and Corgi Cyber Insurance Quotes?

Ask Corgi which endorsements are priced, including breach response and ransomware. ⁷
Ask Coalition for the breach-response limit and the main policy limit as two numbers. ¹
Compare retentions: Corgi shows $10,000 with defense inside the limit; Coalition does not publish retentions. ⁷ ⁶

Coalition vs Corgi Cyber Insurance Compared

Coalition vs Corgi: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Corgi Cyber Liability
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. ^6,¹Company-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. ⁷Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
How to Apply	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁵Company-reported. Qualification help article; restates the verified provider fact broker-application.	You can request a cyber quote online through Corgi. ⁷Company-reported. Product page quote call to action.
Coverage Features	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹Company-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. ¹Company-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. ⁷Company-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. ⁷Company-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. ⁷Company-reported. Scenario notes for form CORG-CY-0100.
Role in This Line	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-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. ^8,⁷Company-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. ³Company-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. ^7,⁹Company-reported. Cyber product page and Corgi disclaimers.