Corgi vs 
Hiscox: How Do They Compare for Cyber Insurance?
Both quote online: Hiscox sells cyber directly to small businesses and IT consultants, while Corgi sells a third-party-only claims-made form with illustrative limits up to $1 million per claim.
Hiscox sells cyber online as a standalone small-business product or a BOP add-on. Corgi's standard form covers third-party claims only and sells breach response as an endorsement. 4,1
What Are the Key Differences Between Corgi and Hiscox Cyber Insurance?
A Carrier You Can Quote Online Versus a Third-Party Shell
Hiscox Inc. sells cyber directly online for small businesses, separate from its BOP, which can add optional cyber, and names Hiscox Insurance Company Inc. as the admitted underwriter of Hiscox NOW cyber. Corgi also lets you quote online, but the standard form covers third-party network and privacy claims only. Breach response, ransomware, interruption, and funds-transfer fraud are Corgi endorsements. Choose Hiscox if you want the carrier that underwrites small-business cyber to sell it to you online; choose Corgi if you want a startup form and will add first-party endorsements. 4 7 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.
Response Copy Versus Published Limits
Hiscox describes coverage for data breaches and cyberattacks and shows an illustrative breach-response example on its IT-insurance page, aimed in part at technology consultants. Corgi illustrates $1 million per claim, $2 million aggregate, and a $10,000 retention. Hiscox's cyber page does not publish standard limits. Neither reviewed page describes ongoing security monitoring. 4 5 1
What Should You Confirm in Corgi and Hiscox Cyber Insurance Quotes?
Corgi vs Hiscox Cyber Insurance Compared
Corgi vs Hiscox: Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | Hiscox Cyber Security Insurance |
|---|---|---|
| How to Apply | You can request a cyber quote online through Corgi. 1Company-reported. Product page quote call to action. | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
| 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. | Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. 4,5Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy. |
| 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. | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. 4Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page. |
| 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. 1,3Company-reported. Cyber product page and Corgi disclaimers. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. 7,6Company-reported. Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
