Corgi vs 
Harper Cyber Insurance
Corgi issues a named cyber liability form with a third-party-only base; Harper brokers whichever carrier's policy it places.
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. 1,2,3,4,5
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 7,8
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 11
Key Differences in Cyber Insurance
What You're Actually Buying
Corgi sells a named policy form, CORG-CY-0100, that a business can add directly during quoting. 6 Harper doesn't issue a policy itself; it calls the insurance companies that write cyber coverage and presents the resulting options, so the product a Harper client ends up with is whichever carrier's form gets placed. 10
Base Coverage Versus Add-Ons
Corgi's standard form pays third-party network security and privacy liability claims only:
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.
Harper's eCommerce industry page describes cyber protection more broadly in one pass, covering data breaches, payment fraud, hacking and exposure of customer information, with its FAQ adding that coverage may extend to notification costs, credit monitoring and certain regulatory expenses, without separating what's automatic from what has to be added. 9
How You Buy
Corgi's quote runs entirely online against its own product page. 6 Harper's path is a general intake form where you check a box for "Hacking, data breaches, card fraud (cyber)" alongside your state and revenue, and Harper's brokers then shop that request across multiple insurers. 10
What to Confirm in Cyber Insurance Quotes
- Ask Corgi which endorsements are needed to add breach response, ransomware, business interruption or funds transfer fraud to the third-party-only base. 6
- Ask Harper's broker which carrier and policy form is being quoted, since Harper's own pages don't name an insurer for cyber. 10
- Compare limits: Corgi shows illustrative figures of $1 million per claim and $2 million aggregate with a $10,000 retention; Harper's reviewed pages publish no limit or retention figures. 6 10
- Ask both what "certain regulatory expenses" or regulatory defense actually means for a claim — Corgi excludes regulatory investigations from its base form, and Harper's FAQ language doesn't specify scope. 6 9
Offering Details
Corgi vs Harper Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | Harper Cyber Insurance |
|---|---|---|
| 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. 2,6Company-reported. Homepage package contents and the cyber liability product page. | For cyber insurance, Harper describes calling the insurance companies that write the coverage for a business and presenting the resulting options to choose from, rather than issuing a cyber policy itself. 10Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines. |
| 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. 6,1Company-reported. Cyber product page and Corgi disclaimers. | Harper's public pages do not name the insurer or insurers that would underwrite a cyber policy; the homepage shows an unlabeled panel of insurer logos it says it works with, without listing carriers for cyber specifically. 10Not publicly disclosed. Checked the homepage insurer-logo panel and eCommerce industry page on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | Harper positions cyber coverage as relevant to online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands on its eCommerce industry page, while also listing cyber as a general coverage option for any business on the homepage intake. 9,10Company-reported. eCommerce industry page 'Who this is for' section combined with the homepage's general cyber checkbox; no cyber-specific eligibility criteria (such as revenue thresholds) were found. |
| 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. 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. | Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. 10Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual insuring agreements and exclusions. On its eCommerce industry page, Harper describes cyber protection as covering data breaches, payment fraud, hacking incidents and exposure of customer information, and its FAQ adds that cyber liability coverage may apply to customer notification costs, credit monitoring and certain regulatory expenses. 9Company-reported. eCommerce industry page; this description is given in the context of online retailers, dropshippers, marketplace sellers and DTC brands, and may not describe cyber coverage the same way for other industries. |
| 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. 6Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | The reviewed pages do not publish cyber policy limits, retentions or a claims-made versus occurrence trigger; the eCommerce page's cost FAQ discusses eCommerce insurance overall rather than cyber coverage alone, so it is not used as a cyber-specific figure here. 10,9Not publicly disclosed. Checked the homepage and eCommerce industry page on 2026-09-23. |
| Risk Services | 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. | Not described in the reviewed sources. |
| How to Apply | You can request a cyber quote online through Corgi. 6Company-reported. Product page quote call to action. | You can start a cyber quote through Harper's online intake by selecting the 'Hacking, data breaches, card fraud (cyber)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. 10Company-reported. Homepage quote-intake form. |
Full Comparison
More Corgi vs Harper Comparisons
Other Cyber Insurance Comparisons
Sources
Corgi
- Disclaimers. Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- Cyber Liability Insurance for Startups. Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- eCommerce Insurance. Harper; Know your coverage: What is eCommerce insurance?; Cyber Protection callout; Who this is for; Why Harper; FAQ 'Does insurance cover data breaches or hacking?'. Accessed 2026-09-23.
- Harper Homepage. Harper; What we cover: 'Cyber insurance — If your systems or card payments get hacked, this covers the cleanup.'; quote-intake checkbox 'Hacking, data breaches, card fraud (cyber)'. Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
