Corgi vs 
RiskCube Cyber Insurance
RiskCube layers affirmative AI-incident coverage onto cyber placements for agentic companies; Corgi's form doesn't address AI risk and covers third-party claims only at base.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 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
AI-Specific Coverage
RiskCube says it places cyber programs with affirmative coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when a primary cyber policy excludes that risk. 10
RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 10Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.
Corgi's reviewed cyber page doesn't mention AI-specific incidents at all; its base form is scoped to third-party network security and privacy liability claims generally. 6
Who Each Targets
RiskCube targets AI and data companies, cloud/DevOps platforms, payment processors, and SOC 2-bound or PII/PHI-handling companies specifically. 10 Corgi targets early-stage companies more broadly, selling cyber standalone or bundled into startup packages starting at pre-seed and seed, without singling out AI-specific risk. 2
Who Underwrites the Policy
Both pages stop short of naming an insurer. RiskCube's disclosures say it isn't a carrier and that its products, including cyber, are underwritten by unnamed third-party carriers. 9 Corgi similarly names only its policy form and says it uses affiliated and partner insurers without identifying one. 1
What to Confirm in Cyber Insurance Quotes
- Ask RiskCube which carrier is underwriting the AI-incident wrap coverage and how it interacts with the primary cyber policy's exclusions. 10
- Ask Corgi whether AI-related incidents (model security, training-data exposure) fall inside or outside its third-party-only base and any available endorsements. 6
- Compare limits: neither page publishes specific figures — RiskCube says needed limits depend on contract requirements and revenue, while Corgi shows illustrative figures of $1 million per claim and $2 million aggregate. 10 6
- Ask RiskCube for its typical quote turnaround claim in writing, since it describes roughly a 24-hour delivery on its site. 10
Offering Details
Corgi vs RiskCube Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | RiskCube 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. 2,6Company-reported. Homepage package contents and the cyber liability product page. | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 10Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options. |
| 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. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. 9,10Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. 10Company-reported. Cyber product page "Who needs cyber insurance" section. |
| 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. | RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. 10Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections. RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 10Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section. |
| 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. | RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. 10Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ. |
| 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. | RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. 10Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ. |
| Claims Support | Not described in the reviewed sources. | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. 10Not found in reviewed sources. Cyber product page as read on 2026-09-23. |
Full Comparison
More Corgi vs RiskCube 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Cyber Insurance for Startups. RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. 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.
