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

A startup that wants an instant online quote and bind fits Corgi's standalone Tech E&O; one wanting a specialist to place coverage and review its current program fits Alliance Risk, a placement partner rather than an underwriter.

Corgi lets startups quote and buy Tech E&O online instantly, but its standard form excludes contract, IP, data-breach and AI claims unless you add endorsements. Alliance Risk is a broker that shops Tech E&O for you, covers AI output errors, and publishes typical limits up to $2 million/$3 million+. ^2,¹

What Are the Key Differences Between Alliance Risk and Corgi Tech E&O Insurance?

Instant Online Quote vs Broker Submission

Corgi sells Tech E&O as a standalone instant-quote policy and includes it in every startup package from pre-seed and seed up. Alliance Risk specializes in placing Tech E&O and takes your contract and claims-history details to technology E&O insurers it doesn't name. Choose Corgi if you're an early-stage startup that wants cover bound online today and can add the endorsements you need; choose Alliance Risk if you need AI-output errors covered in the base form, higher limits, or a review of your existing policy. ¹ ² ³

Base Form vs Add-Ons

Corgi's standard policy excludes claims arising solely from breach of contract or SLA failure, IP infringement, data-breach liability and AI-related claims unless you add them by endorsement. Alliance Risk describes Tech E&O as covering failure to perform and errors in deliverables, including AI outputs that are wrong or biased, but excluding cyberattacks. ² ¹

Limits, Retentions and Services

Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, and defense costs reduce the limit. Alliance Risk describes typical limits from $250K/$500K to $2M/$3M+ with a $2,500 small-firm deductible, and offers a free policy review. ² ¹

What Should You Confirm in Alliance Risk and Corgi Tech E&O Insurance Quotes?

Ask Corgi which endorsements are on your quote: AI, IP, contract/SLA, data breach or subcontracted services. ²
Ask Corgi which insurer issues your policy. It mainly uses Technology Risk Retention Group, a member-owned insurer with no AM Best rating; if a client contract requires a rated insurer, ask for its A- or better partner insurers instead. ²
Ask Alliance Risk which insurer it's proposing. ¹
Compare retentions: Corgi's illustrative $10,000 versus Alliance Risk's $2,500 small-firm example. ² ¹

Alliance Risk vs Corgi Tech E&O Insurance Compared

Alliance Risk vs Corgi: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	Corgi Tech E&O
Limits and Retentions	Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ¹Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	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. ²Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
How to Apply	For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. ¹Company-reported. Tech E&O page, "What We Need for Your Quote" section.	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. ³Company-reported. Homepage policy-card labeling as of 2026-09-23.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ¹Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	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. ²Company-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. ²Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ¹Company-reported. Tech E&O page opening description.	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. ^2,³Company-reported. Tech E&O product page and homepage package contents; package composition may change.