---
title: "Corgi vs Cowbell: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-cowbell/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-cowbell"
provider-a: "corgi"
provider-b: "cowbell"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Cowbell for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Corgi versus Cowbell. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Cowbell for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Corgi or Cowbell?
- What does Corgi or Cowbell publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Corgi and Cowbell.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile

# 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 already includes breach liability, interruption, and extortion; Corgi keeps those first-party costs as endorsements on a third-party-only form.

## Corgi vs Cowbell Cyber Insurance Summary

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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [7](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

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. [1](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..)

### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [7](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What Should You Confirm in Corgi and Cowbell Cyber Insurance Quotes?

- Ask Cowbell which Prime product is quoted and which carrier writes that tier. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")
- Ask Corgi which endorsements are on the quote, including ransomware and regulatory cover. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Compare Corgi's $10,000 retention against Cowbell's unpublished Prime 100 deductibles. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")

## Corgi vs Cowbell Cyber Insurance Compared

| 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. [1](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. [5](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [7](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [8](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..) |
| How to Apply | You can request a cyber quote online through Corgi. [1](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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [5](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..) |
| 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. [1](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. [1](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. [1](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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [7](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..) |
| 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") [1](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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [6](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [7](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. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [3](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. [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [6](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [7](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..) |

## About Corgi and Cowbell and Cyber Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Corgi vs Cowbell Cyber Insurance

- [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 covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Corgi Cyber Insurance](https://spot.insure/insurance-providers/corgi/cyber)
- [Cowbell Cyber Insurance](https://spot.insure/insurance-providers/cowbell/cyber)

## Sources for Corgi vs Cowbell Cyber Insurance

### Sources About Corgi

1. [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.
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. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.

### Sources About Cowbell

4. [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.
5. [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.
6. [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.
7. [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.
8. [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.

Updated 2026-09-29. 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)
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- [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)