---
title: "Alliance Risk vs Corgi: D&O Insurance"
description: "Corgi sells one startup D&O policy online, capped at $1 million per claim and $2 million a year with a $25,000 retention. Alliance Risk brokers D&O to specialist carriers and publishes sample Side A limits and premium ranges, so you get a proposal instead of an instant quote."
canonical: "https://spot.insure/compare/alliance-risk-vs-corgi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "alliance-risk-vs-corgi"
provider-a: "alliance-risk"
provider-b: "corgi"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-corgi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and Corgi for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Alliance Risk versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Corgi for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Alliance Risk or Corgi?
- What does Alliance Risk or Corgi publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Alliance Risk and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# Alliance Risk vs Corgi: How Do They Compare for D&O Insurance?

Alliance Risk brokers placements and publishes D&O price guidance, while Corgi sells a startup-focused policy online with example per-claim and total limits up to $1 million and $2 million.

Corgi lets a startup buy a fixed D&O policy online with limits up to $1 million per claim, while Alliance Risk is a broker that shops your D&O to specialist carriers and returns a proposal.

## Alliance Risk vs Corgi D&O Insurance Summary

Corgi sells one startup D&O policy online, capped at $1 million per claim and $2 million a year with a $25,000 retention. Alliance Risk brokers D&O to specialist carriers and publishes sample Side A limits and premium ranges, so you get a proposal instead of an instant quote. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## What Are the Key Differences Between Alliance Risk and Corgi D&O Insurance?

### Online Startup Policy vs Broker Proposal

Corgi sells D&O as a standalone startup policy or inside stage-based packages that start at pre-seed and seed, and you apply through a self-serve online form. Alliance Risk asks for your board composition, investor structure, current coverage and five-year claims history, then says it usually delivers proposals within a few business days; it also reviews an existing policy at no charge. Choose Corgi if you are a pre-seed or seed startup that wants cover bound online; choose Alliance Risk if you want a broker to compare carriers or check the policy you already hold. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

### $1 Million Cap vs Sample Side A Bands

Corgi's sample structure tops out at $1 million per claim and $2 million a year, with a $25,000 retention per claim (none on Side A) and defense costs paid inside the limit, so legal fees shrink what's left for a settlement. Alliance Risk publishes sample Side A limits and premium bands and explains Sides A, B and C, which gives you a price range before you apply but no fixed ceiling. If your board wants more than $1 million per claim, Corgi's published structure won't reach it. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

### Named Regulatory and Fundraising Terms vs Generic Exclusions

Corgi spells out terms that matter when you raise money: a securities-offering exclusion with a carve-back for exempt deals such as Regulation D, and cover for individual directors who receive a Wells Notice, subpoena or target letter, while excluding investigations of the company itself. It also sells add-ons for outside directorships, crisis-event expense and investigative costs. Alliance Risk's page lists only general exclusions such as fraud, criminal acts and often prior acts, so ask what the proposed carrier's form says on these points. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

## What Should You Confirm in Alliance Risk and Corgi D&O Insurance Quotes?

- Ask Alliance Risk which carriers it will approach and whether their Side A limits exceed Corgi's $1 million per claim. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Check that Corgi's quote includes the Regulation D carve-back, Wells Notice cover and any add-ons you need. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Corgi's policy is issued by Technology Risk Retention Group, Inc., a risk retention group (an insurer owned by its policyholders); confirm it can write D&O in your state. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask whether defense costs reduce the limit on the Alliance Risk proposal, as they do on Corgi's policy. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Alliance Risk vs Corgi D&O Insurance Compared

| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | Corgi Directors & Officers (D&O) |
| --- | --- | --- |
| Limits and Retentions | Alliance Risk publishes indicative Side A limit and premium ranges: mid-size companies ($5M-$50M revenue) typically carry $2M-$5M in Side A limits, and larger private companies $5M-$25M or more. It shows overall D&O premium bands from $2,500-$10,000 for small private companies up to $50,000-$500,000 for large private companies, noting fintech, crypto and venture-backed companies often pay 2-3x more. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; illustrative bands, not a quote for any particular company..)<br><br>Alliance Risk says entry-level management-liability packages that bundle D&O with EPLI and fiduciary often share a single aggregate limit, so a large EPLI or fiduciary settlement earlier in the policy year can reduce what is left for a later D&O claim; it says a specialist broker structures shared versus separate limits to manage that risk. [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) |
| How to Apply | For a D&O quote, Alliance Risk asks for company revenue, industry and stage, board composition, investor structure, current D&O coverage and carrier, five-year claims history and upcoming events such as M&A or an IPO, and says it typically delivers proposals within a few business days. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee..) | You can request a D&O quote online through Corgi's self-serve application. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) |
| Coverage Features | Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued..)<br><br>Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; exclusion wording varies by carrier and the policy as issued..) | The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered..) |
| Role in This Line | Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; Alliance Risk does not underwrite the policy itself..) | Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) |
| Risk Services | Alliance Risk offers a no-charge review of an existing D&O policy, identifying gaps in the Side A/B/C structure and missing endorsements and comparing the program to market options. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, Get Your D&O Risk Review section..) | Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply..) |

## About Alliance Risk and Corgi and D&O Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Alliance Risk vs Corgi D&O Insurance

- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Alliance Risk D&O Insurance](https://spot.insure/insurance-providers/alliance-risk/directors-officers)
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)

## Sources for Alliance Risk vs Corgi D&O Insurance

### Sources About Alliance Risk

1. [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/). Alliance Risk; D&O Insurance: Protecting Directors and Officers From Personal Liability; The Three Sides of D&O Coverage; What D&O Insurance Does NOT Cover; Who Needs D&O Insurance?; D&O Insurance Cost: What to Expect; How to Buy D&O Insurance; Get Your D&O Risk Review. Accessed 2026-09-23.
2. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Sources About Corgi

3. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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