Corgi vs 
USI Insurance Services Cyber Insurance
USI publishes specific PrivaSafe sub-limits like $2 million in notification costs; Corgi's illustrative limits are lower and structured around a third-party-only 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 USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve 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. 12
Key Differences in Cyber Insurance
Structure of Published Limits
USI's PrivaSafe program publishes specific sub-limit figures on top of the base structure: up to $2 million in notification-cost coverage beyond the policy's aggregate limit, and $250,000 in defense costs outside the limit.
USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). 10Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations.
Corgi's illustrative limits sit lower and are simpler — $1 million per claim, $2 million aggregate, with a $10,000 retention — and apply only to the third-party-only base before endorsements. 6
What's Covered by Default
USI describes PrivaSafe as covering three bundled areas in one program — liability costs, compliance and corrective costs, and direct costs like network interruption and cyber extortion — without a base-versus-endorsement split. 10 Corgi's structure works differently:
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.
Who Places the Policy
USI is a broker that layers its own manuscripted PrivaSafe form on top of a placement with the market, rather than issuing a policy under its own name. 10 Corgi issues its own named product, CORG-CY-0100, and quotes it directly online rather than negotiating a custom form with outside carriers. 6
What to Confirm in Cyber Insurance Quotes
- Ask USI which insurer is backing your specific PrivaSafe placement, since the page describes it as manuscripted rather than tied to one named carrier. 10
- Ask Corgi for endorsement pricing to add breach response, ransomware and business interruption to its third-party-only base. 6
- Ask USI whether the $2 million notification sub-limit and $250,000 defense-cost allowance apply automatically or require a specific PrivaSafe tier. 10
- Compare retentions directly, since Corgi publishes a $10,000 figure and USI's page doesn't state a standard retention for PrivaSafe. 6 10
Offering Details
Corgi vs USI Insurance Services Cyber Insurance: documented features by provider
| Criteria | Corgi Cyber Liability | USI PrivaSafe Cyber and Privacy Liability Program |
|---|---|---|
| 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. | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. 10,8Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages. |
| 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. | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. 10Not publicly disclosed. PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found. |
| Who It’s For | Not described in the reviewed sources. | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. 10Company-reported. Program page marketing description, not an underwriting appetite statement. |
| 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. | USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). 10Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form. |
| 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. | USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). 10Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations. |
| 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. | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. 10,11Company-reported. Program page and property-casualty practice team description. |
| How to Apply | You can request a cyber quote online through Corgi. 6Company-reported. Product page quote call to action. | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. 10Company-reported. PrivaSafe program page intake description. |
Full Comparison
More Corgi vs USI Insurance Services 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe... Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- USI Exclusive PrivaSafe. USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy... Accessed 2026-09-23.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. 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.
