Corgi vs 
Hiscox Cyber Insurance
Hiscox names its underwriting insurer for cyber; Corgi's base form is third-party-only and doesn't disclose who issues the policy.
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 Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 7,8,9
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 13
Key Differences in Cyber Insurance
Who Issues the Policy
Hiscox names its underwriter directly: Hiscox Insurance Company Inc. (NAIC 10200), for admitted Hiscox NOW cyber policies. 12 9 Corgi's cyber page names its policy form, CORG-CY-0100, but not the insurer behind it; Corgi says it uses affiliated and partner insurers, so the actual carrier only appears on the issued policy. 6 1
What the Base Policy Pays For
Corgi's standard form covers third-party claims only, with breach response, ransomware, business interruption and funds transfer fraud available as separate endorsements:
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.
Hiscox describes its cyber product as responding to data breaches, cyberattacks and related losses in one pass, without presenting breach response as a separate add-on the buyer has to select. 10
Who Each Is Built For
Hiscox markets its standalone cyber product to small businesses generally and specifically to IT and technology consultants, saying it customizes coverage around that sector's data-handling exposures. 10 11 Corgi's cyber offering is sold on its own and bundled into its startup packages, starting with the pre-seed and seed tier, targeting early-stage companies rather than an industry vertical. 2
What to Confirm in Cyber Insurance Quotes
- Ask Corgi which insurer is backing the specific policy being quoted, since its page discloses only the form number. 1
- Ask Hiscox to confirm Hiscox Insurance Company Inc. is the entity on your state's declarations, since admitted status can vary by product and channel. 12
- Compare limits and retentions directly: Corgi shows illustrative figures of $1 million per claim, $2 million aggregate and a $10,000 retention; Hiscox's product page publishes none. 6 10
- Ask Corgi for endorsement pricing to reach the breach-response coverage Hiscox's base description already implies. 6
Offering Details
Corgi vs Hiscox Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | Hiscox Cyber Security 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. | 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. 10Company-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. 6,1Company-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. 12,9Company-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. |
| Who It’s For | Not described in the reviewed sources. | Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. 10,11Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page. |
| 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. | 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. 10,11Company-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. |
| 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 cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. 10Not publicly disclosed. Public product page as previously reviewed. |
| 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. | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. 10Not found in reviewed sources. Standalone cyber product page as previously reviewed. |
| How to Apply | You can request a cyber quote online through Corgi. 6Company-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. 10Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
Full Comparison
More Corgi vs Hiscox 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.
Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc. Accessed 2026-09-16.
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.
