---
title: "Corgi vs Cowbell Cyber Insurance"
description: "Corgi sells one third-party-only cyber form with named endorsements; Cowbell sells five broader tiers with named carriers per tier."
canonical: "https://spot.insure/compare/corgi-vs-cowbell/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-cowbell/cyber)

# Corgi vs Cowbell Cyber Insurance

Corgi sells one third-party-only cyber form with named endorsements; Cowbell sells five broader tiers with named carriers per tier.

## Research Scope and Use

Use this comparison to evaluate Corgi and Cowbell for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi's standard cyber form covers third-party liability only with breach response and ransomware sold as endorsements, while Cowbell's Prime tiers each bundle first-party coverages like funds transfer fraud and business interruption into the base policy and name a specific underwriting carrier per tier. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview")

## 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. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Cowbell Insurance?

Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. [7](https://cowbell.insure/ "Cowbell") [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [9](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability")

[Cowbell profile](https://spot.insure/insurance-providers/cowbell)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [15](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### What the Base Policy Includes

Corgi's standard form limits its base grant sharply:

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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)

Cowbell's base Prime 100 coverage bundles security breach liability, social engineering, hardware replacement, business income and extortion threats together without splitting them into endorsements, so a Cowbell buyer gets more first-party protection in the base policy than a Corgi buyer without add-ons. [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")

### One Named Form Versus Five Named Tiers, Each With a Named Insurer

Corgi sells one product on policy form CORG-CY-0100, using affiliated and partner insurers it does not name for a given policy. Cowbell instead sells five separately branded tiers — Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus — each naming a specific carrier, such as Palomar Specialty Insurance Company or Chaucer Specialty Insurance Company. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")

### Published Limits

Corgi shows illustrative limits of up to $1 million per claim and $2 million in the aggregate, with a $10,000 retention. Cowbell publishes different figures per tier: up to $3 million on Prime 100 Pro endorsements and up to $10 million on Prime One for select risks. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview")

## What to Confirm in Cyber Insurance Quotes

- Ask Corgi which endorsements are on your quote; breach response, ransomware, business interruption and funds transfer fraud are each added separately. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Ask Cowbell which Prime tier and which underwriting carrier applies to your account. [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")
- Compare retentions directly: Corgi's illustrative structure shows a $10,000 retention with defense inside the limit; ask Cowbell for the equivalent figures per tier. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview")
- Ask Corgi whether regulatory investigations are excluded from your specific quote, since the standard form excludes them by default. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Ask Cowbell whether the Wizer cybersecurity-awareness training and other Cowbell Advantage services are included on your specific tier. [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")

## Offering Details

| Criteria | Corgi Cyber Liability | Cowbell Prime Cyber Insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus) |
| --- | --- | --- |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: Footer/underwriting statements in each product PDF..) |
| Who It’s For | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: Risk Appetite sections of each PDF..) |
| 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)<br><br>Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..)<br><br>The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms..) |
| 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Product overview PDFs; actual issued limits depend on underwriting..) |
| Risk Services | The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") (Evidence: Company-reported; scope: 'The Cowbell Advantage' section, repeated across the reviewed product PDFs..) |
| How to Apply | You can request a cyber quote online through Corgi. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") (Evidence: Company-reported; scope: Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed..) |
| Claims Support | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") (Evidence: Company-reported; scope: Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs..) |

## Full Comparison

- [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Corgi vs Cowbell Crime Insurance](https://spot.insure/compare/corgi-vs-cowbell/crime)
- [Corgi vs Cowbell D&O Insurance](https://spot.insure/compare/corgi-vs-cowbell/directors-officers)
- [Corgi vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-cowbell/employment-practices)
- [Corgi vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-cowbell/fiduciary)
- [Corgi vs Cowbell Tech E&O Insurance](https://spot.insure/compare/corgi-vs-cowbell/technology-errors-omissions)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Alliance Risk vs Cowbell Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/cyber)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [Amelia Risk vs Cowbell Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-cowbell/cyber)
- [At-Bay vs Corgi Cyber Insurance](https://spot.insure/compare/at-bay-vs-corgi/cyber)
- [At-Bay vs Cowbell Cyber Insurance](https://spot.insure/compare/at-bay-vs-cowbell/cyber)

## Sources

### Corgi

1. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Cyber Liability Insurance for Startups](https://www.corgi.insure/cyber-liability). Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.

### Cowbell

7. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
8. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
9. [Small And Midsize Business Management Liability](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; modular suite: D&O, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability and Crime modules; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets; access and target-account FAQs. Accessed 2026-09-16.
10. [Prime 100 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf). Cowbell; Product Overview; Risk Appetite; The Cowbell Advantage; Prime 100 Coverages; 'Paper provided by Palomar Specialty Insurance Company' footer. Accessed 2026-09-23.
11. [Prime 100 Pro Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf). Cowbell; Product Overview; Expanded coverage options; Streamlined process for agents; Confidence that resonates; Available In 47 U.S. States list. Accessed 2026-09-23.
12. [Prime 250 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf). Cowbell; Product Overview; Confidence at scale; Available in 50 states and D.C. on surplus papers; Prime 250 Coverages. Accessed 2026-09-23.
13. [Prime One Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf). Cowbell; Risk appetite: organizations with more advanced digital exposures, typically $250M+ in annual revenue; core and additional coverage elements; 'written on a non-admitted basis by Chaucer Specialty Insurance Company' footer. Accessed 2026-09-23.
14. [Prime Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf). Cowbell; Product Overview; Why Prime Plus; 'offered on a non-admitted basis with paper provided by AM Best A (Excellent) rated carriers' footer. Accessed 2026-09-23.

### Cyber Insurance Guide

15. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-cowbell/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)