Corgi vs Cowbell Cyber Insurance

Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^2,6Company-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. ^10,12,13Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus.

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. ^6,1Company-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. ^10,12,13Company-reported. Footer/underwriting statements in each product PDF.

Not described in the reviewed sources.

Cowbell markets Prime 100 (admitted) to SMEs with up to $100M in revenue, Prime 100 Pro (admitted, available in 47 states) to a similar SME band with broader endorsements, Prime 250 (non-admitted) to businesses up to $1B in revenue, and Prime One (non-admitted) to organizations with more advanced digital exposure, typically $250M+ in annual revenue. ^10,11,12,13Company-reported. Risk Appetite sections of each PDF.

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. ⁶Company-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. ⁶Company-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. ⁶Company-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. ^10,13Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms.

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. ⁶Company-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. ^11,13,14Company-reported. Product overview PDFs; actual issued limits depend on underwriting.

The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. ⁶Not found in reviewed sources. Cyber product page as read on 2026-09-23.

Cowbell says every Prime policy includes Cowbell Factors risk ratings, Cowbell Resiliency Services, Cowbell Insights guidance, Cowbell Connectors integrations with cloud/security providers, and complimentary Wizer cybersecurity-awareness training with unlimited seats in the first policy year. ^10,12Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs.

You can request a cyber quote online through Corgi. ⁶Company-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. ^10,11Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.

Not described in the reviewed sources.

Cowbell says its in-house cyber claims team has over 80 years of combined claims-handling experience and provides 24/7 in-house claims support from initial triage through resolution. ^13,10Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs.