Corgi vs The Hartford: How Do They Compare for Cyber Insurance?

Corgi's standard cyber is third-party only; The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, covering first-party costs, with data breach coverage averaging about $320 a year.

The Hartford sells cyber as a BOP endorsement, CyberChoice for non-tech firms, or FailSafe Technology E&O, and reports about $320 a year on average for data-breach coverage. Corgi's standard form covers third-party claims only. ^4,¹

What Are the Key Differences Between Corgi and The Hartford Cyber Insurance?

Three Hartford Paths Versus One Corgi Form

The Hartford sells cyber three ways: a Data Breach and Cyber Virus and Malware endorsement on a Business Owner's Policy, stand-alone CyberChoice First Response for non-technology businesses, or FailSafe Technology E&O for technology businesses. Corgi sells one named form online, standalone or in startup packages. The standard Corgi grant is third-party network and privacy liability; first-party response is an endorsement. Choose The Hartford if you want a BOP add-on or a tech-specific FailSafe path; choose Corgi if you want a startup form you can quote without picking among three products. ⁴ ¹

The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ⁴Company-reported. Cyber insurance product page as read 2026-09-23.

Price, Third-Party Lawsuits, and Services

The Hartford reports about $320 a year on average for data-breach coverage and lists incident response, extortion, data recovery, interruption, notification, and regulatory-inquiry defense. It also says it does not offer separate third-party cyber coverage; that risk may sit in general liability. Corgi illustrates $1 million per claim with a $10,000 retention and puts third-party claims in the cyber form. The Hartford adds a 24/7 Cyber Center and FirstResponse hotline; Corgi's page describes no monitoring. ⁴ ¹

What Should You Confirm in Corgi and The Hartford Cyber Insurance Quotes?

Ask The Hartford which of the three paths is on the quote. ⁴
Ask how third-party lawsuits are covered, given they may sit in general liability. ⁴
Ask Corgi which first-party endorsements are priced. ¹

Corgi vs The Hartford Cyber Insurance Compared

Corgi vs The Hartford: Cyber Insurance: documented features by provider

Criteria	Corgi Cyber Liability	The Hartford Cyber Insurance
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. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. ⁴Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote.
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. ¹Company-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. ¹Company-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. ¹Company-reported. Scenario notes for form CORG-CY-0100.	The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ⁴Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ^2,¹Company-reported. Homepage package contents and the cyber liability product page.	The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ⁴Company-reported. Cyber insurance product page as read 2026-09-23.

Criteria

Corgi Cyber Liability

The Hartford Cyber Insurance

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. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. ⁴Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote.

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. ¹Company-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. ¹Company-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. ¹Company-reported. Scenario notes for form CORG-CY-0100.

The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ⁴Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.

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. ^2,¹Company-reported. Homepage package contents and the cyber liability product page.