Corgi vs Marsh Cyber Insurance

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.

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ¹¹Company-reported. Marsh corporate cyber insurance product page.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ¹⁴Company-reported. MMA cyber solutions page.

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 reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ¹²Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

Not described in the reviewed sources.

MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ¹⁴Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

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.

MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ¹⁴Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

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.

Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ¹²Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

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.

You can request a cyber quote online through Corgi. ⁶Company-reported. Product page quote call to action.

You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^11,14Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

Not described in the reviewed sources.

Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. ¹³Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.