Corgi vs 
HUB International Cyber Insurance
HUB's cyber page lists breach costs in one bundle with no self-serve quote; Corgi quotes online but splits its base policy from paid endorsements.
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 HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 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. 11
Key Differences in Cyber Insurance
Base Coverage Versus a Bundled Description
Corgi's standard form separates what it covers automatically from what costs extra:
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.
HUB's product page lists privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR and regulatory fines together as what its arranged coverage handles, without distinguishing a base layer from optional add-ons the way Corgi's page does. 10
How You Start the Process
Corgi runs a self-serve online quote directly on its product page. 6 HUB doesn't describe an online quote at all; it directs visitors to connect with a broker or cyber specialist for a policy assessment before any coverage is placed. 10
Who Issues the Policy
Neither company names the insurer on its cyber page. Corgi says it uses affiliated and partner insurers without identifying one. 1 HUB places coverage with carriers that it says vary by client and placement, again without naming a specific insurer on the page. 10
What to Confirm in Cyber Insurance Quotes
- Ask HUB's broker which carrier is being proposed and whether the listed services (forensics, PR, notification) are all included in one policy or split across endorsements. 10
- Ask Corgi for endorsement pricing to add breach response, ransomware, business interruption and funds transfer fraud to its third-party-only base. 6
- Compare limits: Corgi shows illustrative figures of $1 million per claim and $2 million aggregate with a $10,000 retention; HUB's page publishes no limit figures, focusing instead on the potential six-figure cost of a breach. 6 10
- Ask HUB whether regulatory-fine coverage is included by default, since Corgi excludes regulatory investigations from its base form. 10 6
Offering Details
Corgi vs HUB International Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | HUB International Cyber Insurance Brokerage |
|---|---|---|
| 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. | HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. 10Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| 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. | The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. 10Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Not described in the reviewed sources. | HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. 10Company-reported. Product-page framing; not a published underwriting appetite. |
| 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. | HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. 10Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. 10Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data. |
| 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. | Published policy limits or retentions for HUB-placed cyber coverage were not found on the product page; the page instead argues that response costs following a breach can reach the six figures to counter a perception that cyber insurance is unnecessary. 10Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| 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. | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. 10Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Corgi vs HUB International 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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Cyber Insurance. HUB International; Cybersecurity insurance definition; coverage list: privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines, class action lawsuits; breach-frequency and small-business-claims statistics; five-myths section; Connect With a Broker. 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.
