---
title: "Amelia Risk vs Corgi Tech E&O Insurance"
description: "Amelia Risk brokers Tech E&O through a four-step process; Corgi sells an instant-quote startup form underwritten mainly by Technology Risk Retention Group."
canonical: "https://spot.insure/compare/amelia-risk-vs-corgi/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Amelia Risk vs Corgi Tech E&O Insurance

Amelia Risk brokers Tech E&O through a four-step process; Corgi sells an instant-quote startup form underwritten mainly by Technology Risk Retention Group.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Corgi for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk places Technology E&O as a brokerage line and does not name the insurer. Corgi sells Tech E&O as a standalone instant-quote policy, primarily underwritten by Technology Risk Retention Group, with illustrative limits of $1 million per claim / $2 million aggregate and several coverage items sold as endorsements. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [7](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [10](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [11](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [13](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [15](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Brokerage Process Versus Instant Quote

Amelia Risk applies a four-step brokerage process to a Tech E&O request: gather information, approach insurers, review quotes together, and let the client decide. Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package from the pre-seed and seed tier. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")

Corgi treats Tech & AI Liability as an instant-quote product that can be quoted and bound online, unlike the 1–14 day turnaround it assigns to specialty coverages. Amelia Risk’s process is a brokered review, not an instant bind. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

### Who Carries the Risk

Amelia Risk’s reviewed Tech E&O sources do not name an issuing insurer. Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")

Buyers who need admitted, AM Best-rated paper can instead be placed by Corgi with affiliated partner carriers rated A- or better, subject to eligibility. Amelia Risk says the actual carrier depends on underwriting among the insurers it works with. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

### Base Form Versus Endorsements

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, with add-on endorsements available. Amelia Risk describes Tech E&O as covering financial loss if a product or service fails and does not publish that exclusion list. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate, a $10,000 retention, and defense costs inside the limit. Amelia Risk’s reviewed sources do not publish limits. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")

## What to Confirm in Tech E&O Insurance Quotes

- Ask Corgi which endorsements are on the quote for contract, IP, data-breach and AI claims. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Confirm whether you need TRRG paper or admitted, rated paper, and which carrier Amelia Risk approached. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Compare Corgi’s illustrative $1 million / $2 million limits and $10,000 retention with Amelia Risk’s unpublished figures. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions")
- Confirm whether defense costs erode the limit on both quotes. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")

## Offering Details

| Criteria | Technology Errors and Omissions | Corgi Tech E&O |
| --- | --- | --- |
| 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. [6](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Tech E&O product page and homepage package contents; package composition may change..) |
| Issuing Insurer | The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not publicly disclosed; scope: Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists..) | 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. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page..) |
| Who It’s For | Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule..)<br><br>Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold..) | Not described in the reviewed sources. |
| 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. [4](https://ameliarisk.com/insurance-policies/technology-errors-omissions/ "Technology Errors and Omissions") (Evidence: Company-reported; scope: 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. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)<br><br>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. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting..) |
| Limits and Retentions | Not described in the reviewed sources. | 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. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) |
| Risk Services | Not described in the reviewed sources. | The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. [12](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: Tech E&O product page as read on 2026-09-23..) |
| 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. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage policy-card labeling as of 2026-09-23..) |
| Claims Support | Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service..) | Not described in the reviewed sources. |

## Full Comparison

- [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy)
- [Amelia Risk vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cargo-transit)
- [Amelia Risk vs Corgi Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/cyber)
- [Amelia Risk vs Corgi D&O Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/directors-officers)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)
- [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability)
- [Amelia Risk vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/hired-non-owned-auto)
- [Amelia Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/umbrella-excess)
- [Amelia Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/workers-compensation)
- [Alliance Risk vs Amelia Risk Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/technology-errors-omissions)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Beazley Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/technology-errors-omissions)
- [Amelia Risk vs CFC Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/technology-errors-omissions)
- [Amelia Risk vs Chubb Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/technology-errors-omissions)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Technology Errors and Omissions](https://ameliarisk.com/insurance-policies/technology-errors-omissions/). Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy?. Accessed 2026-09-23.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
6. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

### Corgi

7. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
8. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23.
9. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
10. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
11. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
12. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23.

### Tech E&O Insurance Guide

13. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
14. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
15. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.

Updated 2026-09-23. 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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