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

Corgi sells standalone Tech E&O with an instant online quote and bundles it into every startup package; Amelia Risk is a brokerage that approaches insurers for you and reviews the quotes together.

Corgi lets startups quote and buy Tech E&O online in one sitting, with sample limits of $1 million per claim and $2 million aggregate, but its base policy excludes contract, IP, data-breach and AI claims; Amelia Risk is a broker that gathers your details, approaches insurers and reviews quotes with you. ^5,^6,^3,¹

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

Instant Online Policy vs Broker-Shopped Quotes

Corgi sells Tech E&O as a standalone policy you can quote and bind online, and includes it in every startup package from pre-seed up. Amelia Risk follows a four-step broker process: gather your information, approach insurers, review quotes with you and let you decide. Choose Corgi if you are an early-stage startup that needs cover today and fits a standard form; choose Amelia Risk if your contracts need specific wording and you want quotes from several insurers. ⁵ ⁶ ³

Base-Form Exclusions vs Unpublished Terms

Corgi’s standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data-breach liability and AI-related claims; you buy endorsements to add them back. It publishes sample limits of $1 million per claim and $2 million aggregate, a $10,000 retention and defense costs inside the limit. Amelia Risk publishes no exclusions or limits, so its terms depend on the insurer it finds. If you sell AI features or promise uptime, price Corgi with those endorsements before comparing. ⁵ ¹

Unrated Default Insurer vs Insurer Chosen by Underwriting

Corgi’s Tech E&O is written mainly by Technology Risk Retention Group, a member-owned insurer with no AM Best rating; if a customer contract requires an A-rated insurer, Corgi can place you with rated partner insurers instead, if you qualify. Amelia Risk says the insurer depends on underwriting among those it works with. ⁵ ¹

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

Ask Corgi which endorsements your quote includes for contract, IP, data-breach and AI claims. ⁵
Check your customer contracts for an insurer-rating requirement before accepting Corgi’s default insurer, and ask Amelia Risk which insurer it approached. ⁵ ¹
Get Amelia Risk’s limits and retention in writing to compare with Corgi’s $1 million / $2 million and $10,000. ⁵ ¹
Ask both whether defense costs reduce the limit. ⁵

Amelia Risk vs Corgi Tech E&O Insurance Compared

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

Criteria	Technology Errors and Omissions	Corgi Tech E&O
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	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. ⁶Company-reported. Homepage policy-card labeling as of 2026-09-23.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁵Company-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. ⁵Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	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. ^5,⁶Company-reported. Tech E&O product page and homepage package contents; package composition may change.

Criteria

Technology Errors and Omissions

Corgi Tech E&O

How to Apply

Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.

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. ⁶Company-reported. Homepage policy-card labeling as of 2026-09-23.

Coverage Features

Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ¹Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.

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. ⁵Company-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. ⁵Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

Role in This Line

Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^3,¹Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.

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. ^5,⁶Company-reported. Tech E&O product page and homepage package contents; package composition may change.