Corgi vs 
The Hartford Cyber Insurance
The Hartford gives cyber policyholders 24/7 access to a Cyber Center; Corgi's reviewed page describes no comparable service for policyholders.
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 The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 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
Services Beyond the Claim
Between incidents, The Hartford’s policyholders can call on its Cyber Center for attorney consultation, vendor contract review and staff training, while Corgi’s reviewed cyber page describes no services beyond the policy itself. 10 6
How the Policy Is Structured
The Hartford sells cyber three ways depending on complexity: an endorsement on a Business Owner's Policy, standalone CyberChoice First Response for non-technology businesses, or FailSafe Technology E&O for technology businesses. 10 Corgi sells one product built around a third-party-only base with paid endorsements for breach response, ransomware and business interruption:
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.
Third-Party Liability
The Hartford's page says it doesn't offer separate third-party cyber coverage on its data breach and cyber virus products; that risk may instead fall within its general liability grant. 10 Corgi's base form is built the opposite way — third-party liability is exactly what's included by default, while first-party breach-response costs require an endorsement. 6
What to Confirm in Cyber Insurance Quotes
- Ask The Hartford which of its three product paths (BOP endorsement, CyberChoice, FailSafe) fits your business and what changes between them. 10
- Ask Corgi for endorsement pricing to add breach response, ransomware and business interruption to its third-party-only base. 6
- Ask whether The Hartford's general liability policy actually responds to third-party cyber claims, since its cyber product page says it doesn't offer that coverage separately. 10
- Compare limits and average cost: The Hartford reports about $320 a year on average for data breach coverage; Corgi shows illustrative figures of $1 million per claim and $2 million aggregate with no published price. 10 6
Offering Details
Corgi vs The Hartford Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | The Hartford 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. | 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. 10Company-reported. Cyber insurance product page as read 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. 10Company-reported. Cyber insurance product page as read 2026-09-23. |
| 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. | 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. 10Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | 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. 10Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote. |
| 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. | The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. 10Company-reported. Cyber insurance product page as read 2026-09-23. |
| How to Apply | You can request a cyber quote online through Corgi. 6Company-reported. Product page quote call to action. | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. 10Company-reported. Cyber insurance product page as read 2026-09-23. |
Full Comparison
More Corgi vs The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Cyber Insurance for Small Businesses. The Hartford; What Is Business Cyber Insurance?; Does My Business Need Cyber Insurance?; What Does Cyber Insurance Usually Cover?; What Is Not Covered; How Much Does Cyber Insurance Cost; The Hartford's Small Business Cyber Insurance Solutions (BOP add-on, CyberChoice First Response, FailSafe Technology E&O). 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.
