---
title: "Corgi vs Harper Cyber Insurance"
description: "Corgi issues a named cyber liability form with a third-party-only base; Harper brokers whichever carrier's policy it places."
canonical: "https://spot.insure/compare/corgi-vs-harper/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Corgi and Harper for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi's base cyber form covers third-party claims only, with breach response and ransomware sold as endorsements. Harper's cyber page describes broader breach-related coverage without naming an insurer or splitting base coverage from add-ons. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [9](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [8](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") 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](https://www.harperinsure.com/ "Harper Homepage")

### 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. [6](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..)

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](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance")

### How You Buy

Corgi's quote runs entirely online against its own product page. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") 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](https://www.harperinsure.com/ "Harper Homepage")

## 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- 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](https://www.harperinsure.com/ "Harper Homepage")
- 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [10](https://www.harperinsure.com/ "Harper Homepage")
- 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [9](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance")

## Offering Details

| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [10](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: 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. [10](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Not publicly disclosed; scope: 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](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [10](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: 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. [6](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. [6](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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [10](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Homepage 'What we cover' blurb; the issued policy and declarations would control actual insuring agreements and exclusions..)<br><br>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. [9](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") (Evidence: Company-reported; scope: 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. [6](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..) | 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](https://www.harperinsure.com/ "Harper Homepage") [9](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [10](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Homepage quote-intake form..) |

## Full Comparison

- [Corgi vs Harper](https://spot.insure/compare/corgi-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Corgi vs Harper Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-harper/commercial-auto)
- [Corgi vs Harper General Liability Insurance](https://spot.insure/compare/corgi-vs-harper/general-liability)
- [Corgi vs Harper Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-harper/liquor-liability)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice)
- [Corgi vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-harper/professional-errors-omissions)
- [Corgi vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-harper/umbrella-excess)
- [Corgi vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-harper/workers-compensation)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Alliance Risk vs Harper Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-harper/cyber)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [Amelia Risk vs Harper Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-harper/cyber)
- [At-Bay vs Corgi Cyber Insurance](https://spot.insure/compare/at-bay-vs-corgi/cyber)
- [At-Bay vs Harper Cyber Insurance](https://spot.insure/compare/at-bay-vs-harper/cyber)

## Sources

### Corgi

1. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
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. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [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.

### Harper

7. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). 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.
8. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). 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.
9. [eCommerce Insurance](https://www.harperinsure.com/industries/ecommerce). 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.
10. [Harper Homepage](https://www.harperinsure.com/). 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

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. 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-harper/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [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)