AIG vs Corgi: How Do They Compare for Tech E&O Insurance?

AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. ³Company-reported. AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment.

Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. ^9,5Company-reported. Tech E&O product page and homepage package contents; package composition may change.

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Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. ⁹Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.

AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. ³Company-reported. Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific.

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AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. ³Company-reported. AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed.

The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. ⁹Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger.

The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. ⁹Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. ³Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed.

Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. ⁹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. ³Company-reported. AIG Professional Liability page claims description; technology-specific service standards are not stated.

The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. ⁹Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.

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Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. ⁵Company-reported. Homepage policy-card labeling as of 2026-09-23.