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

Gallagher Small Business arranges first- and third-party cyber with outside carriers; Corgi's standard policy is third-party only and claims-made, with regulatory fines excluded.

Gallagher arranges first-party and third-party cyber for small businesses that handle customer data or electronic payments, and larger accounts get eRiskHub. Corgi's standard form covers third-party claims only and prices response as endorsements. ^4,¹

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

Brokered First-and-Third-Party Versus a Third-Party Shell

Gallagher Small Business arranges cyber with outside carriers and describes two components: first-party costs when your own technology or data is breached, and third-party costs when a customer sues you for failing to stop it. Corgi's standard form covers only the third-party network and privacy lawsuit. Breach response, ransomware, interruption, and funds-transfer fraud are Corgi endorsements. Choose Gallagher if you want a broker to place both sides of the loss; choose Corgi if you want an online startup form and will add first-party endorsements yourself. 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 Extra Help Exists

Gallagher names retail, healthcare, financial services, and home-repair businesses that handle customer data or card payments. Corgi sells cyber standalone or inside startup packages and illustrates $1 million per claim, $2 million aggregate, and a $10,000 retention. For larger accounts, Gallagher's group practice adds the eRiskHub portal and a claims team with cyber forensic accountants; Corgi's reviewed page describes no monitoring. Neither Gallagher page names the issuing insurer or publishes limits. ⁴ ⁵ ¹

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

Ask Gallagher whether you are on the small-business placement or the group practice with eRiskHub. ⁵
Ask Corgi which first-party endorsements are priced. ¹
Get the issuing insurer from Gallagher; its pages do not name one. ⁴

Corgi vs Gallagher Cyber Insurance Compared

Corgi vs Gallagher: Cyber Insurance: documented features by provider

Criteria	Corgi Cyber Liability	Gallagher Cyber Liability Insurance
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.	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ⁴Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ⁴Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.
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.	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^4,⁵Company-reported. Small-business cyber product page and the group-level cyber liability page.

Criteria

Corgi Cyber Liability

Gallagher Cyber Liability Insurance

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.

Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ⁴Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ⁴Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

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.

Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^4,⁵Company-reported. Small-business cyber product page and the group-level cyber liability page.