Corgi vs 
Cowbell: How Do They Compare for Cyber Insurance?
Cowbell sells Prime policies by revenue band, with Prime One limits up to $10 million for select risks; Corgi's standard cyber is third-party only and claims-made, with illustrative limits up to $1 million per claim.
Cowbell's Prime 100 base includes security-breach liability, business income, extortion, and funds-transfer fraud. Corgi's standard form covers third-party claims only and sells those first-party costs as endorsements. 4,7,1
What Are the Key Differences Between Corgi and Cowbell Cyber Insurance?
What Sits in the Base Grant
Cowbell's Prime 100 already lists security-breach liability, social engineering, hardware replacement, business income, extortion, computer and funds-transfer fraud, and electronic-data restoration. Corgi's standard form covers third-party network and privacy claims only; the same first-party costs are endorsements. A Corgi quote without those add-ons leaves forensics and ransom to you. Choose Cowbell if you want those first-party grants in the named Prime base; choose Corgi if you want an online startup form and will add only the endorsements you need. 4 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. 1Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting.
Named Tiers and Speed Versus Illustrative Limits
Cowbell sells Prime 100 to SMEs up to $100 million in revenue, Prime One up to $10 million for select risks, and Prime Plus as up to $5 million of excess, through appointed agents who can bind Prime 100 in under five minutes. Corgi shows $1 million per claim and $2 million aggregate with a $10,000 retention and lets you request a quote online. Cowbell also bundles Factors ratings, Resiliency Services, and Wizer training; Corgi's cyber page describes no monitoring. 4 7 1
What Should You Confirm in Corgi and Cowbell Cyber Insurance Quotes?
Corgi vs Cowbell Cyber Insurance Compared
Corgi vs Cowbell: Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | Cowbell Prime Cyber Insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus) |
|---|---|---|
| Limits and Retentions | 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. 1Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | Cowbell states Prime 100 Pro adds endorsements with limits up to $3M, Prime One offers limits up to $10M for select risks, and Prime Plus is an excess layer offering up to $5M above a primary cyber policy; base Prime 100 and Prime 250 limit figures are not published in the reviewed PDFs. 5,7,8Company-reported. Product overview PDFs; actual issued limits depend on underwriting. |
| How to Apply | You can request a cyber quote online through Corgi. 1Company-reported. Product page quote call to action. | Cowbell says agents can quote, bind and issue Prime 100 policies in less than five minutes, and that Prime 100 Pro requires only six underwriting questions for accounts under $50M in revenue; Prime products are distributed through appointed agents rather than direct to consumers. 4,5Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed. |
| Coverage Features | 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. 1Company-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. 1Company-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. 1Company-reported. Scenario notes for form CORG-CY-0100. | Base Prime 100 coverages include security breach liability, social engineering, hardware replacement, business income and extra expense, extortion threats, computer and funds transfer fraud, and restoration of electronic data; Prime One adds affirmative AI-incident and quantum-computing-incident coverage for more advanced digital exposures. 4,7Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms. |
| Role in This Line | Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. 2,1Company-reported. Homepage package contents and the cyber liability product page. | Cowbell operates as an insurance agency that markets its own named 'Prime' cyber product line, rather than distributing another carrier's off-the-shelf policy under its own brand. 4,6,7Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus. |
| Issuing Insurer | 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. 1,3Company-reported. Cyber product page and Corgi disclaimers. | Cowbell says Prime 100 and Prime 100 Pro paper is provided by Palomar Specialty Insurance Company (AM Best A rating), Prime 250 by Palomar Specialty Insurance Company and Chaucer Insurance Company, and Prime One by Chaucer Specialty Insurance Company; the insurer therefore varies by which Prime product is placed. 4,6,7Company-reported. Footer/underwriting statements in each product PDF. |
