---
title: "Corgi vs Risklytics Cyber Insurance"
description: "Risklytics says it charges no broker fee and passes carrier commission through; Corgi's price includes coverage that's third-party-only until you add endorsements."
canonical: "https://spot.insure/compare/corgi-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-risklytics/cyber)

# Corgi vs Risklytics Cyber Insurance

Risklytics says it charges no broker fee and passes carrier commission through; Corgi's price includes coverage that's third-party-only until you add endorsements.

## Research Scope and Use

Use this comparison to evaluate Corgi and Risklytics for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Risklytics says there's no broker fee on top of premium because its commission is paid by the carrier either way. Corgi's base premium buys third-party liability coverage only, with breach response and ransomware sold as separate endorsements. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## 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](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### What the Premium Buys

Corgi's base premium covers third-party network security and privacy liability claims only, with breach response, ransomware, business interruption and funds transfer fraud priced as separate endorsements:

Risklytics describes its cyber coverage in one pass as paying for breach cleanup, legally required notifications, and the claims that follow a hack or leak, without a stated base-plus-endorsement structure. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)

### How Cost Is Structured

Risklytics says there's no broker fee layered on top of the premium; its commission is paid by the carrier out of the premium either way, whether a client buys direct or through a broker. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## What to Confirm in Cyber Insurance Quotes

- Ask Risklytics which specialist insurer is underwriting your policy, since it names none on its site. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Ask Corgi for endorsement pricing to add breach response, ransomware and business interruption to its third-party-only base. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Compare limits: Risklytics lists a typical enterprise-contract ask of $1 million or more; Corgi shows an illustrative aggregate of $2 million with a $10,000 retention. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Ask Risklytics how AI-specific incidents (like a model leaking data) are treated under the policy wording, since it says coverage depends on wording it reads before binding. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

## Offering Details

| Criteria | Corgi Cyber Liability | Risklytics Cyber Liability 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Homepage package contents and the cyber liability product page..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: Cyber product page and Corgi disclaimers..) | Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | Not described in the reviewed sources. | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)<br><br>Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..)<br><br>The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..) | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | The reviewed cyber page does not describe security monitoring or other risk-management services for policyholders. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [10](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | You can request a cyber quote online through Corgi. [6](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Corgi vs Risklytics D&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/directors-officers)
- [Corgi vs Risklytics General Liability Insurance](https://spot.insure/compare/corgi-vs-risklytics/general-liability)
- [Corgi vs Risklytics Tech E&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/technology-errors-omissions)
- [Corgi vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-risklytics/umbrella-excess)
- [Corgi vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-risklytics/workers-compensation)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Alliance Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/cyber)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [Amelia Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/cyber)
- [At-Bay vs Corgi Cyber Insurance](https://spot.insure/compare/at-bay-vs-corgi/cyber)
- [At-Bay vs Risklytics Cyber Insurance](https://spot.insure/compare/at-bay-vs-risklytics/cyber)

## Sources

### Corgi

1. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Cyber Liability Insurance for Startups](https://www.corgi.insure/cyber-liability). Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Cyber Insurance Guide

12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-risklytics/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)