Corgi vs WTW: How Do They Compare for Cyber Insurance?

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.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹²Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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.

The reviewed WTW sources do not identify an issuing insurer for a specific cyber placement. ^12,11,8Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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.

WTW's FY2024 annual report lists cyber insurance among FINEX solutions; its Digital Infrastructure Protector describes cyber protection as one part of a broader data-center solution. ^11,8Company-reported. Historical group-level FINEX capability and a separately scoped data-center solution; neither source establishes current standalone cyber terms or eligibility.

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 reviewed sources do not state a buyer-specific cyber limit, retention, or deductible. ^12,11,8Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹²Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

You can request a cyber quote online through Corgi. ⁶Company-reported. Product page quote call to action.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹²Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.