Corgi vs 
Harper: How Do They Compare for Cyber Insurance?
Harper starts cyber quotes in an online intake for online retailers and describes cover for cleanup after hacking; Corgi sells a third-party-only claims-made form you can quote online.
Harper calls insurers that write cyber and presents options, describing cleanup after a hack plus data-breach and payment-fraud cover for online retailers. Corgi's standard form covers third-party claims only and sells response as endorsements. 5,1
What Are the Key Differences Between Corgi and Harper Cyber Insurance?
Shopping Markets Versus Selling a Named Form
Harper describes calling the insurers that write cyber and presenting the resulting options, rather than issuing a policy. Corgi sells its own CORG-CY-0100 form online, standalone or in startup packages. The standard Corgi grant is third-party network and privacy liability; response, ransomware, interruption, and funds-transfer fraud are endorsements. Choose Harper if you are an online retailer and want someone to shop markets; choose Corgi if you want a named form you can quote without waiting for market options. 5 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.
E-commerce Copy Versus Published Limits
Harper's eCommerce page frames cyber as covering data breaches, payment fraud, hacking, and exposed customer information for online retailers, dropshippers, marketplace sellers, and DTC brands. You start by checking Hacking, data breaches, card fraud on Harper's intake with state and revenue. Corgi illustrates $1 million per claim, $2 million aggregate, and a $10,000 retention. Harper publishes no cyber limits and does not name the insurer. 4 1
What Should You Confirm in Corgi and Harper Cyber Insurance Quotes?
Corgi vs Harper Cyber Insurance Compared
Corgi vs Harper: Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | Harper Cyber Insurance |
|---|---|---|
| How to Apply | You can request a cyber quote online through Corgi. 1Company-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. 5Company-reported. Homepage quote-intake form. |
| 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. | Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. 5Company-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. 4Company-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. |
| 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. | 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. 5Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines. |
