Corgi Insurance Company is preparing to expand beyond trucking insurance with the launch of a commercial cyber liability program.

The insurer submitted its first cyber rate-and-rule filing in Georgia on Sept. 1. The program would offer liability, first-party and breach-response coverage with limits ranging from $50,000 to $5 million. Rates would take into account revenue, industry, coverage limits, retention, security controls and claims history.

Businesses without multifactor authentication could be charged more, while applicants with multiple paid cyber claims during the previous three years would receive a factor of 2.2. Optional coverage includes cybercrime, phishing fraud, bodily injury, reputational harm and dependent-system failure.

Certain classes fall outside the standard rating plan, including cryptocurrency businesses, dating sites, on-demand platforms, law firms and title agencies. Companies with more than $100 million in revenue or seeking limits above $5 million would be individually priced.

Corgi does not have credible historical experience for the new program. Its rating plan is based on the architecture and classifications used by U.S. Specialty Insurance Company’s NetGuard Plus program, with base premiums adjusted for Corgi’s expenses and profit provisions. Corgi removed the source program’s technical security score factor.

The Georgia filing is pending approval, and Corgi said the program has not yet been filed in any other state. A separate forms filing is expected.