Corgi vs Embroker: How Do They Compare for Cyber Insurance?

Embroker lists first- and third-party cover, including ransom payments and data recovery, quoted in under 10 minutes; Corgi's standard policy is third-party only and claims-made, with breach response by endorsement.

Embroker describes first-party incident costs and third-party liability as parts of one cyber policy you can quote in under 10 minutes. Corgi's standard form covers third-party claims only and sells response and ransomware as endorsements. ^4,¹

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

One Product Story Versus a Third-Party Shell

Embroker separates first-party costs (your own response, data recovery, and interruption) from third-party defense and settlements, but it presents both as what the cyber policy covers, plus extortion and social-engineering losses. Corgi's standard form covers third-party network and privacy claims only. Breach response, ransomware, interruption, and funds-transfer fraud are endorsements, and regulatory investigations stay excluded unless added. Choose Embroker if you want that combined first-and-third-party story on an online quote; choose Corgi if you want a cheap third-party shell and will add endorsements. 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.

Who It Is For and What You See on Price

Embroker markets cyber to startups, tech firms, financial institutions, professional services, healthcare, and law firms, and says you can request a quote in under 10 minutes after a free risk-profile tool. Corgi sells cyber standalone or inside startup packages and illustrates $1 million per claim, $2 million aggregate, and a $10,000 retention. Embroker's reviewed page publishes no limits. Embroker also warns that E&O, even with a technology rider, is not a substitute for cyber. ⁴ ¹

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

Ask Corgi which first-party endorsements are priced. ¹
Ask Embroker for actual limits and deductibles; the product page does not publish them. ⁴
Confirm whether regulatory fines are in or out on both quotes. ¹ ⁴

Corgi vs Embroker Cyber Insurance Compared

Corgi vs Embroker: Cyber Insurance: documented features by provider

Criteria	Corgi Cyber Liability	Embroker Cyber Insurance
How to Apply	You can request a cyber quote online through Corgi. ¹Company-reported. Product page quote call to action.	Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ⁴Company-reported. Product-page calls to action; no quote was requested during this research.
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.	Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ⁴Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ⁴Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ⁴Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ⁴Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.
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.	Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ⁴Company-reported. Product-page description; not a statement about the issuing insurer for this line.

Criteria

Corgi Cyber Liability

Embroker Cyber Insurance

How to Apply

You can request a cyber quote online through Corgi. ¹Company-reported. Product page quote call to action.

Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ⁴Company-reported. Product-page calls to action; no quote was requested during this research.

Coverage Features

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.

Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ⁴Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control.

Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ⁴Company-reported. Product-page breach-response cost list.

Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ⁴Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product.

Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ⁴Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.

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.

Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ⁴Company-reported. Product-page description; not a statement about the issuing insurer for this line.